Disclosures to Consumers. You must ensure that, at a minimum, the following specific information is disclosed to the consumer during the telephone call and in any confirming written notice: (1) the date on or after which the consumer’s account will be debited; (2) the amount of the debit entry to the consumer’s account; (3) the consumer’s name; (4) a telephone number that is available to the consumer and answered during normal business hours for consumer inquiries; (5) the date of the consumer’s oral authorization, and (6) a statement by you that the authorization obtained from the consumer will be used to originate a one-time ACH debit entry to the consumer’s account. When written notice is used to confirm an authorization, Consumers must be afforded the right to contact you, using the telephone number provided, to correct any erroneous information contained in the notice.
Disclosures to Consumers. FAC will implement adequate safeguards and measures to assure Consumers' privacy with respect to the Services and to inform Consumers of their rights under the FCRA and companion state and local laws and regulations. FAC will provide notice(s) to Consumers to the extent and in the manner required by Experian, for example to comply with state and federal deceptive trade practices acts or similar laws and regulations. Specifically, FAC will provide a notice to each Inquiring Consumer, simultaneously with providing the Services to the Inquiring Consumer, that sets forth in prominent, bold-faced type the following:
8.1 The FCRA allows the Consumer to obtain a copy of his or her credit report from any consumer credit reporting agency for a reasonable charge;
8.2 If the Consumer has been rejected for credit in the past thirty (30) days as a result of his or her consumer credit report, the Consumer is entitled to receive a disclosure of the nature and substance of all information in his or her file directly from the consumer credit reporting agency free of charge;
8.3 The FCRA permits Consumers to dispute inaccurate information in their credit file. Accurate information cannot be changed;
8.4 Experian's policy is to make available to Consumers one complimentary copy of the consumer credit report per year upon request of the Consumer;
8.5 The Consumer does not have to purchase the Services or other information or services from FAC to dispute inaccurate information in the Consumer's Experian file or to receive a copy of the Consumer's Experian consumer credit report;
8.6 Experian's National Consumer Assistance Center provides proprietary consumer disclosure in the form of a "consumer friendly" report that is different from the report provided by FAC as part of the Services. The proprietary "consumer friendly" report must be obtained by the Inquiring Consumer directly from Experian.
8.7 Consumer's residing in the States of Massachusetts, Maryland and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.
Disclosures to Consumers. Reseller will implement adequate safeguards and measures to assure Consumers' privacy with respect to the Services and to inform Consumers of their rights under the FCRA and companion state and local laws and regulations. Reseller will provide notice(s) to Consumers to the extent and in the manner required by Experian, for example to comply with state and federal deceptive trade practices acts or similar laws and regulations. Specifically, Reseller will provide a notice to each Inquiring Consumer, at the time Services are requested by Inquiring Consumer, that prominently sets forth those disclosures listed in the Experian's "CRSR - Consumer Review Service Consumer Disclosures".
