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consumer report vs file....long

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ok, was going over the FCRA last night and noticed something......

from the definitions section:

603(d) Consumer Report

(1) In general. The term "consumer report" means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for

(A) credit or insurance to be used primarily for personal, family, or household purposes;

(B) employment purposes; or

© any other purpose authorized under section 604 [§ 1681b].


603(g) The term “file,” when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

In section 609:

§ 609. Disclosures to consumers [15 U.S.C. § 1681g]

(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:

(1) All information in the consumer's file at the time of the request except that--

(A) if the consumer to whom the file relates requests that the first 5 digits of the social security number (or similar identification number) of the

consumer not be included in the disclosure and the consumer reporting

agency has received appropriate proof of the identity of the requester, the

consumer reporting agency shall so truncate such number in such disclosure; and

(B) nothing in this paragraph shall be construed to require a consumer

reporting agency to disclose to a consumer any information concerning

credit scores or any other risk scores or predictors relating to the


is it just me, or does the fact that it says file there and not consumer report mean that the CRA's should be sending us so much more info?! like those piddly faxes they sed for verification.. they'd have to hang on to those for a while, in case you ask for MOV, right? so they should be giving you copies of everything they have on you.

whaddya think?

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Yes, absolutly true.

The key thing is that you need to request your "file", and not a credit report.

Getting credit reports online or over the phone wouldn't require the "file", just the uninformative CR we all see.

One thing to keep in mind, the CR doesn't have a lot of info in it, possibly. Like the extra info that can be included if it meets the requirements in section 605(B). You only get to see this info if you request your "file".

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