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The Fair Credit Reporting Act (FCRA) requires any person or business that obtains consumer reports for employment purposes to file Form 604 with the Federal Trade Commission (FTC). This includes employers, employment agencies, and other organizations that use consumer reports to make decisions about employment.

The purpose of the Fair Credit Act 604 (FCA 604) is to ensure that creditors provide clear and accurate information to consumers in order to protect them from unfair and deceptive practices. Specifically, FCA 604 requires creditors to provide certain information to consumers prior to extending credit, including a description of the terms and conditions of the credit, the annual percentage rate (APR), and any fees associated with the credit. It also requires creditors to notify consumers of any changes to the terms of the credit agreement, as well as provide a written statement of account activity upon request.

The Fair Credit Reporting Act (FCRA) Section 604 refers to the rules and regulations set forth under the FCRA, a federal law enacted to regulate the collection, dissemination, and use of consumer credit information. FCRA Section 604 specifically deals with the permissible purposes for which consumer reports can be obtained by various entities, such as employers, landlords, creditors, insurance companies, and others who require access to consumer credit information. This section outlines the circumstances under which a consumer report can be obtained and the restrictions imposed on the use of this information.

The Fair Credit Reporting Act (FCRA) section 604 outlines the specific information that must be included in a consumer's credit report. The information that must be reported on a consumer's credit report includes: 1. Identification: The consumer's name, address, social security number, and date of birth. 2. Trade lines: Details of credit accounts such as mortgages, credit cards, and loans. This includes the name of the creditor, account number, type of account, credit limit or loan amount, current balance, payment history, and date of account opening or closing. 3. Public records: Any bankruptcies, tax liens, judgments, or other legal actions related to the consumer's credit history. 4. Collection accounts: Details of any accounts that have been placed in collections, including the name of the collection agency and the original creditor. 5. Inquiries: A list of companies or individuals who have accessed the consumer's credit report within the past two years. This includes voluntary inquiries (credit applications) and involuntary inquiries (when lenders review a consumer's credit report for pre-approved offers). 6. Account disputes: Any unresolved disputes or accounts under investigation. 7. Consumer statement: If applicable, a statement provided by the consumer to clarify or explain any negative information in the credit report. It's important to note that the FCRA requires accurate and complete reporting of this information by credit reporting agencies. If any inaccuracies or incomplete information are found, consumers have the right to dispute and request corrections.

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