The Fair Credit Reporting Act requires background reporting agencies (also known as consumer reporting agencies), upon request of the consumer, to “clearly and accurately disclose . . . . (1) All information in the consumer's file at the time of the request.” 15 § U.S.C. 1681g(a).
This is a critical right afforded to individuals under the FCRA because it allows an individual to ensure that the information about them in the background reporting agency's files is accurate and up to date.
If you have questions about your rights under the Fair Credit Reporting Act and/or would like to obtain a copy of your file from a background report agency, please contact the FCRA attorneys at Weiner & Sand LLC.