似乎你的拒絕信並沒有引用合適的法律. 1681m(a).指的是 consumer reports,而1681m(b)才指的是 information obtained from a source other than a consumer reporting. 不論何種情況, 你都可一書麵要求對方透露信息來源或內容.
從你的情況而言, 也許房東對中國人的習慣不喜歡所以拒絕了你. 其實這已違反聯邦住房法案了.
615. Requirements on users of consumer reports [15 U.S.C. § 1681m]
(a) Duties of users taking adverse actions on the basis of information contained in consumer reports.
If any person takes any adverse action with respect to any consumer that is
based in whole or in part on any information contained in a consumer report, the
person shall
(1) provide oral, written, or electronic notice of the adverse action to the consumer;
(2) provide to the consumer orally, in writing, or electronically
(A) the name, address, and telephone number of the consumer reporting
agency (including a toll-free telephone number established by the agency
if the agency compiles and maintains files on consumers on a nationwide
basis) that furnished the report to the person; and
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(B) a statement that the consumer reporting agency did not make the decision
to take the adverse action and is unable to provide the consumer the
specific reasons why the adverse action was taken; and
(3) provide to the consumer an oral, written, or electronic notice of the consumer's
right
(A) to obtain, under section 612 [§ 1681j], a free copy of a consumer report on
the consumer from the consumer reporting agency referred to in paragraph
(2), which notice shall include an indication of the 60-day period under
that section for obtaining such a copy; and
(B) to dispute, under section 611 [§ 1681i], with a consumer reporting agency
the accuracy or completeness of any information in a consumer report
furnished by the agency.
(b) Adverse Action Based on Information Obtained from Third Parties Other than Consumer Reporting Agencies
(1) In general. Whenever credit for personal, family, or household purposes
involving a consumer is denied or the charge for such credit is increased either
wholly or partly because of information obtained from a person other than a
consumer reporting agency bearing upon the consumer's credit worthiness, credit
standing, credit capacity, character, general reputation, personal characteristics, or
mode of living, the user of such information shall, within a reasonable period of
time, upon the consumer's written request for the reasons for such adverse action
received within sixty days after learning of such adverse action, disclose the
nature of the information to the consumer. The user of such information shall
clearly and accurately disclose to the consumer his right to make such written
request at the time such adverse action is communicated to the consumer.
(2) Duties of Person Taking Certain Actions Based on Information Provided by
Affiliate
