This is to inform you that in processing your credit application it may be necessary to interview your neighbors, friends and/or others with whom you have an association or acquaintance. The inquiry conducted would be in respect to your character, personal characteristics, reputation and mode of living. Under federal law, you have the right to make a written request within a reasonable period of time and to receive detailed information …

DISCLOSURE (name of credit reporting agency) is a "consumer reporting agency" and, under the Fair Credit Reporting Act, must report information in a manner that is fair and equitable to consumers.
The Fair Credit Reporting Act gives you the right to have incomplete or incorrect information reinvestigated by (name of credit reporting agency), unless the request is of a frivilous nature. If the information is found to be …