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(c) Generally, providing a consumer with a copy
of his or her report is done by the end-user if it takes
adverse action. However, there are a few situations where
a CRA must also provide a report to a consumer. First, under
the Free Annual File Disclosure rule in the FCRA, 15 U.S.C.
Sec.1681j, a "Nationwide Specialty Consumer Reporting
Agency," which is most CRAs who service tenant or employer
clients on a national basis, must provide a free annual
file disclosure (not just a copy of a consumer report) to
a consumer once annually upon that consumer's request. Furthermore,
a NSCRA must also have a system in place whereby a consumer
can call a toll-free number to request such a report. Additionally,
if a CRA contracts with an end-user that the CRA will provide
background reports to those consumers who check a box on
the disclosure (as some laws require--MN, OK, and CA), then
the CRA must provide a copy of the report at no cost to
the consumer. As a best practice, a CRA will want to provide
a copy of the consumer report to the consumer any time he
or she requests it.
must a CRA provide a copy of a consumer report to a consumer?
this is the end-user's responsibility
an end-user requests that a CRA do so