The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions: Hearing Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eighth Congress, First Session, on the History, Purpose, and Function of the Fair Credit Reporting Act and Provisions Subject to the Expiring Preemption Provisions Specifically, the Growing Problems of Identity Theft, Affiliate Sharing Practices, Accuracy of Credit Report Information, Consumer Awareness and Understanding the Credit Granting Process and Addressing Measures to Enhance the Act, May 20, June 19, 26, July 10, 29, and 31, 2003 |
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Page 10
... companies have provided the notice and the opt out for the Fair Credit Reporting Act as part of the annual Gramm - Leach - Bliley notice . Chairman SHELBY . I will get back in another round . Senator Carper . STATEMENT OF SENATOR THOMAS ...
... companies have provided the notice and the opt out for the Fair Credit Reporting Act as part of the annual Gramm - Leach - Bliley notice . Chairman SHELBY . I will get back in another round . Senator Carper . STATEMENT OF SENATOR THOMAS ...
Page 47
... companies that have predominated for several years - Equifax , Experian , and TransUnion . A fourth company , Innovis Data Services ( an affiliate of CBC Companies ) , also maintains " a national database of consumers with unfavorable ...
... companies that have predominated for several years - Equifax , Experian , and TransUnion . A fourth company , Innovis Data Services ( an affiliate of CBC Companies ) , also maintains " a national database of consumers with unfavorable ...
Page 48
... companies receives more than 2 billion items of information each month . See " An Overview of Consumer Data and Credit Reporting , " Federal Reserve Bulletin , February 2003 , at 49 . 11 Although the majority of creditors report full ...
... companies receives more than 2 billion items of information each month . See " An Overview of Consumer Data and Credit Reporting , " Federal Reserve Bulletin , February 2003 , at 49 . 11 Although the majority of creditors report full ...
Page 49
... companies that collect and report specialized information such as check writing histories , rental records , and employment applications . The 1990's saw the growth of " resellers , " consumer reporting agencies that purchase consumer ...
... companies that collect and report specialized information such as check writing histories , rental records , and employment applications . The 1990's saw the growth of " resellers , " consumer reporting agencies that purchase consumer ...
Page 60
... companies exposed consumers ' personal information , including credit card num- bers , to commonly known attacks by hackers , contrary to the companies ' promises . See http : / /www.ftc.gov/os/2003/06/guessagree.htm . 6 See , e.g. ...
... companies exposed consumers ' personal information , including credit card num- bers , to commonly known attacks by hackers , contrary to the companies ' promises . See http : / /www.ftc.gov/os/2003/06/guessagree.htm . 6 See , e.g. ...
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Common terms and phrases
1996 Amendments AARP accuracy affiliate sharing alert allow bank BEALES CDIA Chairman MURIS Chairman SHELBY Citibank Citigroup Committee companies complaints Congress consumer credit Consumer Data consumer protection consumer reporting agencies CRA's credit bureaus credit card credit information credit report information Credit Reporting Act credit reporting agencies credit reporting system credit scores creditors customers database disclosure dispute enacted Equifax Experian Fair Credit Reporting Fair Isaac Fargo FCRA Federal Trade Commission FICO scores financial institutions financial services furnishers hearing identifying identity theft identity theft victims important industry information sharing issue law enforcement legislation lenders loan mortgage Neiman Marcus offers percent personal information preemption prescreening problem rates retail risk risk-based pricing Senator BENNETT Senator SARBANES Social Security number standards statement sumer testimony Thank tion transaction TransUnion Vermont victims of identity