Part X Ancillary Credit Businesses
Credit reference agencies
C1158 Duty of agency to disclose filed information.
1
A credit reference agency, within the prescribed period after receiving,—
F1a
a request in writing to that effect from a consumer,
b
such particulars as the agency may reasonably require to enable them to identify the file, and
c
a fee of F2£2,
shall give the consumer a copy of the file relating to F3it kept by the agency.
2
When giving a copy of the file under subsection (1), the agency shall also give the consumer a statement in the prescribed form of F4the consumer’s rights under section 159.
3
If the agency does not keep a file relating to the consumer it shall give F4the consumernotice of that fact, but need not return any money paid.
4
If the agency contravenes any provision of this section it commits an offence.
F54A
In this section ‘consumer’ means—
a
a partnership consisting of two or three persons not all of whom are bodies corporate; or
b
an unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership.
5
In this Act “file ”, in relation to an individual, means all the information about him kept by a credit reference agency, regardless of how the information is stored, and “copy of the file ”, as respects information not in plain English, means a transcript reduced into plain English.