When a consumer requests a copy of their own report from a CRA, what information should the CRA typically provide?

• A. A copy of the report only.
• B. The report and the consumer's credit score.
• C. The report and the furnisher's contact information only.
• D. The report itself, the identity of the data furnisher, the CRA contact information for disputes, and a summary of the consumer's rights.

Answer: (D)

When you request your own credit report, the CRA provides more than just the file itself. You should receive the report, the names of the data furnishers who supplied information about you (so you know who contributed each item and who to contact about specific entries), the CRA’s contact information for disputes (a clear path to raise issues with the agency), and a plain-language summary of your rights under the FCRA (explaining how to dispute items and what protections you have). This combination gives you not only the data but also the context and mechanisms you need to verify accuracy and exercise your rights. Providing only the report, or the report with a score, or the report with furnishers’ details alone would leave out important guidance on disputing items and understanding your rights.