Section 609 of (FCRA)

Section 609 of (FCRA) Summary​

Section 609 of the Fair Credit Reporting Act (FCRA) mandates that consumer reporting agencies must disclose "all information in a consumer's file" upon request, including the source of that information, essentially giving consumers the right to access their complete credit report and dispute any inaccurate details within it; this allows individuals to verify the accuracy of information used to create their credit score and take action if necessary. 

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Key points about Section 609:

 

Consumer access:

A consumer can request a full disclosure of their credit report from a credit bureau, including all information recorded about them. 

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Source disclosure:

The credit bureau must also provide the source of each piece of information in the consumer's file. 

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Dispute right:

If a consumer finds inaccurate information on their credit report, they can dispute it directly with the credit bureau. 

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Clear and accurate disclosure:

The information provided to the consumer must be presented in a clear and understandable way.