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Section 158: Duty of agency to disclose filed information.

Consumer Credit Act 1974 · 1974 c. 39View on legislation.gov.uk

Part X: Ancillary Credit Businesses

A credit reference agency, within the prescribed period after receiving,—

a request in writing to that effect from a consumer,
such particulars as the agency may reasonably require to enable them to identify the file, and
a fee of £2,

shall give the consumer a copy of the file relating to it kept by the agency.

When giving a copy of the file under subsection (1), the agency shall also give the consumer a statement in the prescribed form of the consumer's rights under section 159.

If the agency does not keep a file relating to the consumer it shall give the consumernotice of that fact, but need not return any money paid.

If the agency contravenes any provision of this section it commits an offence.

In this section 'consumer' means—

a partnership consisting of two or three persons not all of whom are bodies corporate; or
an unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership.

In this Act "file ", in relation to an individual, means all the information about him kept by a credit reference agency, regardless of how the information is stored, and "copy of the file ", as respects information not in plain English, means a transcript reduced into plain English.

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This legislation text comes from legislation.gov.uk. Contains public sector information licensed under the Open Government Licence v3.0. These source and reuse terms cover the legislation text, not Remedy's commentary.

Reuse reviewed 21 August 2026 under Open Government Licence v3.0.