Consumer disclosure 2026

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The document provides detailed instructions for consumers on how to obtain their consumer file and credit report under the Fair Credit Reporting Act (FCRA). It outlines eligibility criteria for free access to consumer files, necessary identification requirements, and the process for submitting requests. Additionally, it includes information on rights related to identity theft, dispute procedures, and contact details for national credit reporting agencies. The document emphasizes the importance of following instructions carefully to avoid delays in processing requests.

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Click ‘Get Form’ to open the Consumer Disclosure Request Form CRD-001 in the editor.
In Section A, select the type of request you are making by checking the appropriate box. This helps clarify your eligibility for a free copy of your consumer file.
Proceed to Section B and fill in details about where you applied for housing or employment, including the application date and contact information for the prospective landlord or employer.
In Section C, provide your identifying information. Ensure that you include a copy of a valid government-issued photo ID as required.
Complete all address fields where you have resided over the past seven years. If your current address differs from your ID, attach proof such as a recent utility bill.
Review all entered information for accuracy, then sign and date the form before submitting it via mail or fax as instructed.

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Versions	Form popularity	Fillable & printable
2013	4.9 Satisfied (204 Votes)

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is my credit score on my consumer disclosure?

A Consumer Disclosure is a complete account of all the information on your credit file as mandated by consumer reporting legislation. A Consumer Disclosure does not include your TransUnion Credit Score.

What is the difference between a credit report and a consumer report?

Credit reports focus on your financial history, helping you understand your creditworthiness, while investigative consumer reports provide a broader view of your personal background.

What is a consumer file disclosure?

3 According to TransUnion, a consumer disclosure lists every inquiry on your file, including promotional inquiries. 4 You can also see any information that has been suppressed, meaning that it does not appear on your standard credit report because one of your creditors has requested that the information not be shared.

Does checking consumer disclosure affect credit score?

Checking your credit reports or credit scores will not impact credit scores.

What is a consumer disclosure on TransUnion?

Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a Business Version, a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries and your own inquiries.

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Can a consumer report affect my job?

Yes. Most reputable, potential employers will pull various consumer reports during the application process. Any possible negative information in your credit reports may hinder your chances at landing the job.

What is a consumer disclosure report online?

See what information about you is maintained in our files by requesting a Consumer Disclosure Report. The report includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses.