Next, consumer reporting agencies or credit bureaus must disclose the identification of each person that obtained the consumer report for the following purposes, such as employment purposes and any other purpose. The name of the person, including the trade name, if applicable, must be disclosed to the consumer. The consumer can also request the address and telephone number of the person.
In addition, consumer reporting agencies or credit bureaus must disclose the dates, original payees, and amounts of any checks based on any adverse characterization of the consumer at the time of disclosure.
Consumer reporting agencies or credit bureaus must also disclose a record of all hard inquiries received by the agency during the last 12 months. The hard inquiries are related to credit transaction or insurance transaction that was not initiated by the consumer.
Lastly, consumer reporting agencies or credit bureaus must disclose a statement that the consumer may request and obtain a credit score if only the credit file is asked for.