You absolutely have a right to see everything they have on file about you. The Consumer Reporting Act is very clear on this issue in Section 12 of the legislation.
From Section 12 (3):
(3) If a consumer makes a request under clause (1) (a), the consumer reporting agency shall, in accordance with this section, section 12.0.1 and any prescribed requirements, disclose to the consumer the following information:
- The nature and substance of all information in the consumer reporting agency’s files pertaining to the consumer at the time of the request.
- The sources of credit information.
- The name and contact information, including the address and the telephone number or email address, of every person on whose behalf the file has been accessed within the three-year period preceding the request.
- If the agency furnished a consumer report pertaining to the consumer within the one-year period preceding the request,
i. the names and contact information, including the address and the telephone number or email address, of the recipients of that report, and
ii. a copy of the consumer report if it was furnished in writing or the particulars of the content of the report if it was furnished orally.
- If the agency generated and furnished a consumer score, furnished a consumer score generated by another entity or furnished any other information evaluating the credit or personal information of the consumer within the one-year period preceding the request,
i. the names and contact information, including the address and the telephone number or email address, of the recipients of that score or information, and
ii. the score and the particulars of any other information evaluating the credit or personal information of the consumer.
- Any other information relating to the consumer score that may be prescribed. 2018, c. 7, s. 5.
The Landlord Credit Bureau is not allowed to place any conditions on this disclosure besides asking for proper identification to ensure they are disclosing to an authorized party. They also cannot charge you anything for this service.
How do I make the request?
You will need government issued photo ID to make this request.
Scan a copy of the photo identification you intend to use in order to make your request.
Send the following email with your scanned ID attached to: legal@landlordcreditbureau.com
To Whom it May Concern,
My name is (INSERT NAME HERE) and my photo identification is attached. I am making a formal request under Section 12.3 of the Consumer Reporting Act for disclosure of the following information:
- The nature and substance of all information in the consumer reporting agency’s files pertaining to my account at the time of the request.
- The sources of credit information.
- The name and contact information, including the address and the telephone number or email address, of every person on whose behalf the file has been accessed within the three-year period preceding the request.
- If the agency furnished a consumer report pertaining to my account within the one-year period preceding the request, the names and contact information, including the address and the telephone number or email address, of the recipients of that report, and a copy of the consumer report if it was furnished in writing or the particulars of the content of the report if it was furnished orally.
- If the agency generated and furnished a consumer score, furnished a consumer score generated by another entity or furnished any other information evaluating my credit or personal information within the one-year period preceding the request, the names and contact information, including the address and the telephone number or email address, of the recipients of that score or information, and the score and the particulars of any other information evaluating the credit or personal information of the consumer.
- Any other information relating to the consumer score that may be prescribed.
Thank you for your prompt attention to this matter.
Regards,
(INSERT NAME AND CONTACT INFORMATION HERE)