by Raymond » Sun Apr 01, 2007 12:00:00 AM
OK, I guess that's the way it is then.
Sections (12) of the Consumer Reporting Acts of Nova Scotia and Ontario are the particular sections that deal with the release of credit information. More specifically, sections 12 (1)(a) of both Acts are worded identically. As well, the other subsections that follow (a) are almost identical. Maybe, the provincial courts have given different interpretation decisions on their respective legislations. I dunno.
Here's Section (12) of the Nova Scotia CRA .
NOVA SCOTIA CONSUMER REPORTING ACT
Disclosure
12 (1) Every consumer reporting agency shall, at the written request of a consumer and during normal business hours, clearly and accurately disclose to the consumer, without charge,
(a) the nature and substance of all information in its files pertaining to the consumer at the time of the request;
(b) the sources of its information unless they can be readily ascertained by the consumer;
(c) the names of the recipients of any consumer report pertaining to the consumer that it has furnished within the preceding twelve months;
(d) copies of any written report made pertaining to the consumer to any other person or, where the report was oral, particulars of the content of such oral report,
and shall inform the consumer of his right to protest any information contained in the file under Sections 13 and 14 and the manner in which a protest may be made.
And here's Section (12) of the ONTARIO CRA
ONTARIO CONSUMER REPORTING ACT
Right of consumer to disclosure
12. (1) Every consumer reporting agency shall, at the written request of a consumer and during normal business hours, clearly and accurately disclose to the consumer, without charge,
(a) the nature and substance of all information in its files pertaining to the consumer at the time of the request;
(b) the sources of credit information;
(c) the name and, at the option of the consumer reporting agency, either the address or telephone number of every person on whose behalf the file has been accessed within the three-year period preceding the request;
(d) the names of the recipients of any consumer report pertaining to the consumer that it has furnished,
(i) containing personal information, within the one year period preceding the request, and
(ii) containing credit information, within the six month period preceding the request;
(e) copies of any written consumer report pertaining to the consumer made to any other person or, where the report was oral, particulars of the content of such oral report, furnished,
(i) where the report contains personal information, within the one year period preceding the request, and
(ii) where the report contains credit information, within the six month period preceding the request,
and shall inform the consumer of his or her right to protest any information contained in the file under sections 13 and 14 and the manner in which a protest may be made. R.S.O. 1990, c. C.33, s. 12 (1); 2000, c. 26, Sched. B, s. 8 (2)..............
Ray