The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions: Hearing Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eighth Congress, First Session, on the History, Purpose, and Function of the Fair Credit Reporting Act and Provisions Subject to the Expiring Preemption Provisions Specifically, the Growing Problems of Identity Theft, Affiliate Sharing Practices, Accuracy of Credit Report Information, Consumer Awareness and Understanding the Credit Granting Process and Addressing Measures to Enhance the Act, May 20, June 19, 26, July 10, 29, and 31, 2003U.S. Government Printing Office, 2004 - 706 páginas |
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Página 4
... reasonable procedures to assure maximum possible accuracy of the information " they report . Second , the FCRA gives consumers the right to know what information the credit bureau maintains on them and the right to dispute errors ...
... reasonable procedures to assure maximum possible accuracy of the information " they report . Second , the FCRA gives consumers the right to know what information the credit bureau maintains on them and the right to dispute errors ...
Página 8
... reasonable procedures to assure maximum possible accuracy . And two , and maybe more important , it has a notification mecha- nism to consumers . If an adverse decision is based on information in a credit report , the consumer , who is ...
... reasonable procedures to assure maximum possible accuracy . And two , and maybe more important , it has a notification mecha- nism to consumers . If an adverse decision is based on information in a credit report , the consumer , who is ...
Página 11
... reasonable procedures to assure maximum possible accuracy . And that is one of the key requirements , to make sure that information is correct . Maybe more important is the requirement for adverse action no- tices to consumers when a ...
... reasonable procedures to assure maximum possible accuracy . And that is one of the key requirements , to make sure that information is correct . Maybe more important is the requirement for adverse action no- tices to consumers when a ...
Página 26
... reasonable way to correct it , or no reasonable procedure that would prevent it , then that would be acceptable under the statutory standard . But it is not a numerical threshold . It is a balance of Chairman SHELBY . How would you ...
... reasonable way to correct it , or no reasonable procedure that would prevent it , then that would be acceptable under the statutory standard . But it is not a numerical threshold . It is a balance of Chairman SHELBY . How would you ...
Página 27
... reasonable to do to avoid that particular error . Chairman SHELBY . I think Senator Dodd asked you the question of , something to the effect , how many complaints did you have at the Federal Trade Commission a year ? And you said ...
... reasonable to do to avoid that particular error . Chairman SHELBY . I think Senator Dodd asked you the question of , something to the effect , how many complaints did you have at the Federal Trade Commission a year ? And you said ...
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Términos y frases comunes
1996 Amendments AARP accuracy affiliate sharing alert allow bank BEALES CDIA Chairman MURIS Chairman SHELBY Citibank Citigroup Committee companies complaints Congress consumer credit Consumer Data consumer protection consumer reporting agencies CRA's credit bureaus credit card credit information credit report information Credit Reporting Act credit reporting agencies credit reporting system credit scores creditors customers database disclosure dispute enacted Equifax Experian Fair Credit Reporting Fair Isaac Fargo FCRA Federal Trade Commission FICO scores financial institutions financial services furnishers hearing identifying identity theft identity theft victims important industry information sharing issue law enforcement legislation lenders loan mortgage Neiman Marcus offers percent personal information preemption prescreening problem rates retail risk risk-based pricing Senator BENNETT Senator SARBANES Social Security number standards statement sumer testimony Thank tion transaction TransUnion Vermont victims of identity