11. (1) Every consumer reporting agency shall, at the written request of a
consumer and during normal business hours, clearly and accurately
disclose to the consumer, without charge,
(a) the nature and substance of all information in its files pertaining
to the consumer at the time of the request;
(b) the sources of its credit information or personal information;
(c) the names of the recipients of any consumer report pertaining to
the consumer that it has furnished, within the preceding twelve
months;
(d) contents of any written consumer report pertaining to the
consumer made to any other person, or where the report was oral,
particulars of the content of such oral report,
and shall inform the consumer of his right to protest any information
contained in the file under sections 12 and 13 and the manner in which a
protest may be made.
consumer and during normal business hours, clearly and accurately
disclose to the consumer, without charge,
(a) the nature and substance of all information in its files pertaining
to the consumer at the time of the request;
(b) the sources of its credit information or personal information;
(c) the names of the recipients of any consumer report pertaining to
the consumer that it has furnished, within the preceding twelve
months;
(d) contents of any written consumer report pertaining to the
consumer made to any other person, or where the report was oral,
particulars of the content of such oral report,
and shall inform the consumer of his right to protest any information
contained in the file under sections 12 and 13 and the manner in which a
protest may be made.