As we saw in Chapter 3, there are many other data repositories which contain your personal information. Many of these data repositories are classified as credit bureaus per the FCRA, and as such are required to give you a one free copy of your personal information file per year. We are going to use Innovis as the example here, but you can use it for any of the companies listed in Chapter 3.
Why do you want to see your file? To remove damaging information from it, just as you would want to correct your Experian, Equifax, or TransUnion files.
Innovis Data Solutions
P.O. Box 219297
Houston, Texas 77218-9297
This is a request for my Innovis credit file which you are maintaining in your credit databases.
As you know or, at least should know, the federal Fair Credit Reporting Act (“FRCA”), specifically 15 USC 1681, et seq., requires that upon request, a consumer reporting agency must disclose to an individual his or her credit file upon receipt of appropriate information proving the identity of that individual. For purposes of this statute, “consumer reporting agency” is defined in relevant part as “any person which, for monetary fees, due, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties . . .”, and a credit “file” is defined as “all information on [a] consumer recorded and maintained by a consumer reporting agency regardless of how the information is stored.”
It is well known within the lending industry that you are a credit bureau, and as a matter of fact, many high-profile industry players are reporting credit information to you on a regular basis. As such, Innovis is unconditionally obligated under both of these statutory authorities to disclose to me the complete contents of all files which Innovis maintains on me. The failure and/or refusal of Innovis to disclose this information makes available to me a number of remedies, including $1,000 in fines as mandated by the FCRA.
In light of the above, I hereby demand that Innovis immediately send to me any and all credit files and/or information which it is maintaining on me.
Very truly yours,
1 E. Main
Anytown, USA 00000
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