According to the FACT Act amendments to the FCRA, when consumer reporting agencies provide disclosures to the consumer as required under the FCRA, they must also include:

• A. A summary of the consumer's rights under the FCRA and some other information intended to help the consumer enforce those rights
• B. The consumer's full credit history
• C. A list of all creditors
• D. A privacy notice only

Answer: (A)

The main idea is that disclosures required by the FCRA, when provided by a consumer reporting agency, must include more than just the basic information—they must also present a clear summary of the consumer’s rights under the FCRA and practical guidance on how to exercise those rights. This ensures consumers know what protections they have (such as obtaining a free annual credit report, disputing items, and handling fraud alerts) and understand how to contact the agency or take the next steps to enforce or exercise those rights. A privacy notice alone wouldn’t meet this requirement, and the full credit history or a list of all creditors aren’t part of what must accompany the disclosure.