Just to make sure I understand this correctly...if a person gets an inquiry steming from an online credit application, they can dispute it using this opinion? From: http://www.ftc.gov/os/statutes/fcra/landever.htm 2. Can a consumer give authorization for a consumer report by merely clicking "yes" to a question asking whether they authorize the dealer to do a credit check and providing personal information by e-mail? In our view, a mouse click is far removed from "written instructions" and thus does not provide a permissible purpose pursuant to Section 604(a)(2) of the Act. The FCRA specifically allows this type of consumer consent in Section 604(b)(2)(B)(ii), which provides that certain job applicants may authorize a consumer report for employment purposes "electronically" as well as orally or in writing. Similarly, both Section 610(b) (file disclosure by consumer reporting agency) and Section 615(a) (adverse action notice by consumer report user) of the FCRA allow communications to be made in writing, electronically, or in other fashion. In other words, Congress knows how to provide for electronic communications in this statute, but has limited the permissible purpose provided by Section 604(a)(2) to "written instructions" by the consumer.
