Fair Credit Reporting Amendments of 1990

[AI summary unavailable — showing source text] Fair Credit Reporting Amendments of 1990 - Amends the Fair Credit Reporting Act to require that the file of any consumer at a consumer reporting agency (CRA) include specified information on each inquiry about such file. Prohibits a CRA from making a report of inquiries which were not specifically authorized by the consumer. Amends provisions setting forth the permissible purposes of consumer reports to specify that the "legitimate business need" purpose applies only in connection with a transaction specifically authorized by (currently, involving) the consumer. Prohibits a CRA from providing any information in a consumer's file unless the inquirer certifies that the information will not be used to solicit the consumer. Requires disclosures by a CRA to a consumer to be in an understandable form. Requires disclosure, on request, of all information (currently, the nature and substance of all information) in the consumer's file. Specifies the information which must be disclosed to the consumer about inquirers and applies that requirement to non-employment reports made in the last year (currently, the last six months). Requires that reinvestigation of disputed information be conducted …