General Insurance Principles第 201 / 474 题
An insurer declines an application partly because of information in a consumer report. The Fair Credit Reporting Act requires the insurer to:
a.pay for a new report from a second agency before deciding
b.tell the applicant and name the agency that supplied the report
c.hold the file open until the applicant repairs the credit record
d.keep the source confidential to protect the reporting agency
解析
Adverse action taken wholly or partly on a consumer report triggers a notice to the consumer that identifies the reporting agency, and the consumer may then obtain a copy of the report and dispute anything inaccurate. Withholding the source is exactly what the act forbids, since the consumer could not otherwise correct the file. The act does not require a second report or force the insurer to leave the application pending.
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