Consumer Credit Act 1974

158 Duty of agency to disclose filed information

(1) A credit reference agency, within the prescribed period after receiving.—

(a) a request in writing to that effect from any individual (the " consumer "), and

(b) such particulars as the agency may reasonably require to enable them to identify the file, and

(c) a fee of 25 new pence,

shall give the consumer a copy of the file relating to him 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 his rights under section 159.

(3) If the agency does not keep a file relating to the consumer it shall give him notice of that fact, but need not return any money paid.

(4) If the agency contravenes any provision of this section it commits an offence.

(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.