Section 609 provides that upon request, a CRA must disclose
to the consumer all the information in the consumer's file
at the time of the request. The term “file”
is defined to mean all of the information on a consumer
that is recorded and retained by a CRA regardless of how
the information is stored. The CRA, however, need not disclose
information concerning credit scores or any other risk scores
or predictors relating to the consumer for free or internal
section 609 of the Fair Credit Reporting Act, when a person
requests a free file disclosure, a CRA must provide:
A copy of the consumer report.
A copy of everything the CRA has about the person, except
for internal notes.
A copy of the disclosure and authorization form and the
Nothing if the company is not a Nationwide Specialty Consumer