Sentences with phrase «of consumer information contained»
«The Fair Credit Reporting Act, 15 U.S.C. § 1681 («FCRA») is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
https://nomorecreditcards.com/ Not exact matches
CBSA does not accept the tariff exemption − in other words, it still makes importers pay the customs duty, or «tax» − unless importers can produce paperwork containing personal information from the ultimate consumers of these electronic devices.
The panel is based on credit report data collected by Equifax (one of the three credit bureaus in the United States) and it contains information on all outstanding loans — including mortgages, auto and student loans, and credit card debt — at the individual consumer level.
About the Survey of Consumer Expectations The SCE contains information about how consumers expect overall inflation and prices for food, gas, housing and education to behave.
«If a consumer does not have a credit record with one of the NCRAs or if the record contains insufficient information to assess her creditworthiness, lenders are much less likely to extend credit.
End User shall not acquire any proprietary rights, including intellectual property rights, in or to the Consumer AVM reports, or the information contained therein, which rights remain solely and exclusively in Collateral Analytics («CA») and / or CA's suppliers and licensors and End User acknowledges that the Consumer AVM reports, and information contained therein are valuable commercial products, the development of which has involved the expenditure of substantial time and money.
A nominal charge not to exceed $ 5 may be imposed on you by the consumer reporting agency for a copy of the consumer report containing all the information in your file, if you have not been denied credit within 30 days from the receipt of your request.
Information for consumers on the benefits of Sunfiber and link to consumer products containing Sunfiber.
Information for consumers on the benefits of Suntheanine and link to consumer products containing Suntheanine.
«Remypure, our new functional native rice starch, supports manufacturers in the development of products that respond to the growing natural and clean label trend demanded by consumers,» says Jon Peters, president of BENEO, Inc. «Clean and simple information on packaging provides reassurance to consumers when buying food products containing Remypure.»
Tracking agricultural products - whether Australia's largest export commodities (wheat, wine or beef) or our less common wares (goat, deer or honey)- provides producers, regulators and consumers with a range of information about where their food came from, who produced it and what additives, if any, it contains.
California's Proposition 65 requires the annual publication of a list of chemicals known to the state to cause cancer or reproductive toxicity, and information must be made available to consumers about products that may contain listed substances.
I / we agree that if any material change (s) occur (s) in my / our financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and financial statement and the representations made herein as a true and accurate statement of my / our financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers products and services which, by nature of the business, include trade secrets, confidential and proprietary information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.
Aside from the Human Rights obligations we are reminding them of safeguards already contained in other pieces of EU legislation, such as the the REGULATION (EU) No 1169/2011 of 25 October 2011 on the provision of food information to consumers: «Food information shall not be misleading, particularly....
If they truly believe in transparency and giving consumers choices and information about what's in their food in regards to pink slime, then they need to now apply that same reasoning of transparency and choice to GMOs, by allowing labeling that states that foods contain GMOs.
And it contains demographic and consumer information that allows strategists to form detailed profiles of voters and draw up the right message and use the right medium — Facebook, Gmail — to call attention to a race that few are watching.
Labeling must provide information that differs from consumers» expectations of how many calories foods contain.
However, the page containing the quotes did not indicate either the type or amount of the fees, and there was no link that took consumers to information about the additional charges.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
All three maintain a global database, separate from one another, that contains information and data on millions of businesses and consumers.
If the Lender denies your request for credit, and that action is based in whole or in part on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis.
The information or opinions contained in this internet site should not be construed by any consumer and / or prospective client as an offer to sell or the solicitation of an offer to buy any particular product.
The hackers obtained access to files containing the personal information of some Canadian consumers through the interface, Equifax said.
In addition to the errors, most credit reports contain misleading or outdated information that gives creditors the wrong idea of who you are as a consumer.
Their website does contain a good amount of consumer information concerning credit repair and consumer rights.
A consumer credit report contains four types of information: identifying information, credit information, public record information, and inquiries.
(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling services.
Credit Risk Score A credit risk score is a statistical summary of the information contained in a consumer's credit report.
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --
Fair Isaac Corporation Vice President of Consumer Scores, Tim Quinn, notes that no credit report requested for employment screening can contain any information related to credit scores.
Although not required, we recommend that you obtain your SageStream consumer report prior to filing a dispute so that you can review all of the information contained in your report for accuracy and completeness.
A statement that a nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within thirty days from receipt of the consumer's request;
(1) A credit services organization, its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit services organization may not do any of the following: (a) conduct any business regulated by this chapter without first: (i) securing a certificate of registration from the division; and (ii) unless exempted under Section 13 -21-4, posting a bond, letter of credit, or certificate of deposit with the division in the amount of $ 100,000; (b) make a false statement, or fail to state a material fact, in connection with an application for registration with the division; (c) charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for the buyer; (d) dispute or challenge, or assist a person in disputing or challenging an entry in a credit report prepared by a consumer reporting agency without a factual basis for believing and obtaining a written statement for each entry from the person stating that that person believes that the entry contains a material error or omission, outdated information, inaccurate information, or unverifiable information; (e) charge or receive any money or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer, if the credit that is or will be extended to the buyer is upon substantially the same terms as those available to the general public; (f) make, or counsel or advise any buyer to make, any statement that is untrue or misleading and that is known, or that by the exercise of reasonable care should be known, to be untrue or misleading, to a credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit, with respect to a buyer's creditworthiness, credit standing, or credit capacity; (g) make or use any untrue or misleading representations in the offer or sale of the services of a credit services organization or engage, directly or indirectly, in any act, practice, or course of business that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a credit services organization; and (h) transact any business as a credit services organization, as defined in Section 13 -21-2, without first having registered with the division by paying an annual fee set pursuant to Section 63J -1-504 and filing proof that it has obtained a bond or letter of credit as required by Subsection (2).
Before (i) the execution of a contract or agreement between a consumer and a credit services business or (ii) the receipt by the credit services business of any money or other valuable consideration, whichever occurs first, the credit services business shall provide the consumer with an information statement in writing containing all of the information required under § 59.1 - 335.7.
A statement that a copy of the consumer report containing all information in the consumer's file will be furnished free of charge by the consumer reporting agency if requested by the consumer within thirty days of receiving a notice of a denial of credit as provided under the Federal Fair Credit Reporting Act (15 U.S.C. § 1681j); and
A complete and accurate statement of the consumer's right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the Federal Fair Credit Reporting Act (15 U.S.C. § 1681g);
The top of the report contains personal information about the consumer, and in many cases, this section may include variances of the consumer's name or Social Security number, simply because the information was reported incorrectly by a lender or other entity.
Credit reports contain information on various types of loans extended to consumers like lines of credit, also known as credit cards and mortgages.
Credit reporting agencies are required, on request, to disclose to consumers both the nature and substance of information that is contained in their credit bureau records.
The majority of consumer credit reports contain inaccuracies, inconsistencies, or outdated information; but consumers do not have the information or representation necessary to rectify them.
Online quotes are estimates only, based on information you provide, and are subject to change based on verification of information, including identification of the property or risk to be insured, claim and credit history, and / or information contained on other consumer reports.Receipt of an online insurance quote does not guarantee that your application will be accepted should you apply for insurance.
Copy of the relevant portion of the consumer report that contains the allegedly inaccurate information
The Fair Credit Reporting Act contains rules and regulations that the credit bureau industry must follow in order to assure the accuracy and fairness of information used to compile every consumer's credit report and score.
That widely distributed pitch prompted Nevada regulators to issue a «fraud alert» warning that «consumers, brokers and lenders that complete, submit or participate in the completion and submission of an application for credit that contains misrepresentations or false information are subject to administrative actions and potential criminal penalties by the state.»
Consumer reports may contain information bearing on your creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living.
But that meant credit - score improvement for only about 6 % of consumers, FICO said, because those changes largely occurred on accounts that already contained other derogatory information.
A statement that a nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within 30 days from receipt of the consumer's request;
In connection with my application for credit, I / we hereby take notice that you may be procuring and may be referring to a consumer report respecting me / us containing personal information and I / we hereby consent thereto and to the disclosure of such information to other credit grantors or consumer reporting agencies and to retain this application for the broker's records.
Some estimates claim that 25 % of consumer reports contain errors that range from outdated contact information to fraudulent accounts.