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 7
... understand it , who can access and use the contents of a consumer report . In other words , not just anyone can use it for any reason . Could you elaborate on that , about how use of such information or report is restricted , for the ...
... understand it , who can access and use the contents of a consumer report . In other words , not just anyone can use it for any reason . Could you elaborate on that , about how use of such information or report is restricted , for the ...
Página 24
... understand in thinking about the accuracy complaints that we get , and we do not have any independent as- sessment of whether the information is really accurate about who's right in this dispute . We know there is a dispute . And we do ...
... understand in thinking about the accuracy complaints that we get , and we do not have any independent as- sessment of whether the information is really accurate about who's right in this dispute . We know there is a dispute . And we do ...
Página 25
... understand it ? Do others , other than Senators , not know the toll- free number ? I did not know it , either . But , also , do they understand how to do it correctly ? How is this working , overall ? Mr. BEALES . We do not have any ...
... understand it ? Do others , other than Senators , not know the toll- free number ? I did not know it , either . But , also , do they understand how to do it correctly ? How is this working , overall ? Mr. BEALES . We do not have any ...
Página 28
... understand the system - do not have to send an adverse action notice and cred- it applicants may then never become aware of the need to examine their credit reports . Does this cause you any concern about the continuing relevance of the ...
... understand the system - do not have to send an adverse action notice and cred- it applicants may then never become aware of the need to examine their credit reports . Does this cause you any concern about the continuing relevance of the ...
Página 31
... understand the statutory framework that we are dealing with here . As I understand it , under FCRA , most State credit reporting laws are not preempted unless there is a specific inconsistency be- tween the FCRA and the State law . And ...
... understand the statutory framework that we are dealing with here . As I understand it , under FCRA , most State credit reporting laws are not preempted unless there is a specific inconsistency be- tween the FCRA and the State law . And ...
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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