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Consumer reporting, larger participants examination procedures

Published Oct. 1, 2012


These examination procedures are intended for use in examining larger participants in the consumer reporting market. The procedures contain a series of modules, grouping similar requirements together. Each examination will cover one or more of the following modules:

  1. Entity Business Model
  2. Accuracy of Information and Furnisher Relations
  3. Contents of Consumer Reports
  4. Permissible Purposes and Other User Issues
  5. Consumer File and Score Disclosures
  6. Consumer Inquiries, Complaints, and Disputes and the Reinvestigation Process
  7. Consumer Alerts and Identity Theft Provisions
  8. Prescreening, Employment Reports, and Investigative Consumer Reports
  9. Other Products and Services and Risks to Consumers