The omission of data may be due to a new regulatory requirement listed in the Summary of FCRA Amendments and Protection of Medical Information act.

 

The Limitation states: A consumer reporting agency may not furnish a consumer report for employment, credit, or insurance purposes that contains medical information unless the consumer affirmatively consents (for insurance purposes), the information is relevant to the employment or credit transaction and the consumer provides written consent describing the purposes for which it will be used, or the information pertains solely to transactions, accounts, or balances relating to medicals debts and is reported using certain codes. Unless the medical information is provided pursuant to regulations, a creditor shall not obtain or use medical information in connection with a credit eligibility determination. Effective Date: June 1, 2004. Further, a consumer report may not include the name, address, and telephone number of any medical information furnisher that has notified the consumer reporting agency of its status unless such information is reported using codes that do not identify the health care provider or the services. This does not apply if the consumer the report is provided for certain insurance purposes.