Will I get the same information the employer or landlord receives?
The FCRA technically gives you the right to a free “file disclosure.”
There is a difference under the FCRA between a “consumer report” and a “consumer file.”
Under the FCRA, a “consumer report” is:
…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 ….(FCRA §609(d)(1))
A “consumer file” is:
…all of the information on [you] recorded and retained by a consumer reporting agency regardless of how the information is stored. (FCRA §609(g))
In other words, the report is the document provided to the employer or landlord. It reflects information collected and compiled at any given time.
Your “consumer file” is the information the consumer reporting agency maintains about you.
Your right to a free disclosure is to your “consumer file” — not your “consumer report.”