What must a consumer reporting agency provide to individuals under the Fair Credit Reporting Act?

A consumer reporting agency is required under the Fair Credit Reporting Act to provide individuals with access to their credit history. This means that consumers have the right to request and obtain a copy of their credit report, which documents their credit history and includes information about their credit accounts, payment history, and any public records related to their credit. This access allows individuals to understand their credit standing and verify the accuracy of the information reported by the agency.

The entitlement to access their credit history is crucial for consumers, as it empowers them to manage their credit more effectively and dispute any inaccuracies present in their reports. This provision is part of broader consumer protection measures aimed at ensuring transparency and accountability within the credit reporting industry.