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.