When it comes to understanding your rights and taking steps to access personal information held by organizations, navigating the process can sometimes seem daunting. The Request for Disclosure of MIB Consumer File, known as the CD 3 form, serves as a critical tool for individuals looking to obtain their consumer file from MIB, Inc., especially following an adverse underwriting action by an insurance company. Not limited to just those residing in the United States and Canada, this form is also intended for consumers living abroad or those represented by authorized legal representatives. However, it's important to note the form's specific use cases, as MIB encourages most U.S. and Canadian consumers to utilize streamlined processes for free annual disclosurers. The CD 3 form intricately outlines the necessity for consumers to provide comprehensive identification and related information to facilitate the request. This includes first-hand details about adverse underwriting actions, primary identification information, and any other names or addresses that might have been used in the past seven years. Additionally, the form mandates an acknowledgment and certification by the requester or their legal representative, ensuring the accuracy of the information provided and highlighting procedures for verifying the requester's identity. Suffice it to say, understanding the nuances and requirements outlined in this form is paramount for consumers wishing to access their MIB consumer files, thereby empowering them with information that has a significant impact on their insurance applications and premiums.
Question | Answer |
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Form Name | Form Cd 3 |
Form Length | 1 pages |
Fillable? | No |
Fillable fields | 0 |
Avg. time to fill out | 15 sec |
Other names | form request consumer, mib consumer online, mib form edit, request disclosure consumer |
MIB, Inc.
50 Braintree Hill Park – Suite 400
Braintree, MA
(781)
REQUEST FOR DISCLOSURE OF MIB CONSUMER FILE
Please print or type all information.
This form is only intended for use in providing disclosure to: (i) individuals who have received an adverse underwriting action letter or notice from an insurance company (see Section I); (ii) authorized legal representatives for consumers; and (iii) consumers residing outside the U.S. and Canada. Consumers residing in the U.S. and Canada should request their free annual disclosure using MIB’s toll free line
To learn more about the personal information we collect, use and disclose in the conduct of our business, please refer to MIB’s Consumer Privacy Policy at: https://www.mib.com/privacy_policy.html.
SECTION I – Identify Whether Disclosure Request Follows an Adverse Underwriting Action
Are you requesting disclosure because you applied for insurance but your application was denied or you were charged an extra premium (either of which is an “adverse underwriting action”) and the insurance company indicated that MIB provided information that influenced its underwriting investigation?
YES
NO
If you answered “yes,” then you must submit a copy of the adverse underwriting action letter (or notice) from the insurance company along with this Request for Disclosure form in order to obtain certain benefits you are entitled to under the federal Fair Credit Reporting Act.
SECTION II - Primary Identification Information For Consumer: |
Gender: |
Male
Female
_______________________________________________________________________________________________
Last Name (surname)First Name (given name)Middle Initial or Name
_______________________________________________________________________________________________
Current Address Street, PO Box, or RFD |
City or Town |
State |
Zip Code |
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___________________________________ |
____________________________ |
______________________________________ |
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Area Code/Telephone No |
Date of Birth (mo/day/year) |
Occupation |
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__________________________________________ |
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__________________________________________ |
____________________________________ |
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Place of Birth (If U.S., give state; if Canada, give province; otherwise, give country). |
Social Security Number |
Email address |
SECTION III - Supplemental Information – Other Names Used By Consumer
Please list all other names (given names and surnames) and variations of names (different combinations of initials and given names such as John H. Doe, J.H. Doe and J, Harrison Doe) that you would have given an insurance company within the past seven years. This additional information will assist MIB and/or the reporting company in identifying a record, if any, should there be other records with similar identifiers.
_______________________________________________________________________________________________
Last Name (surname) First Name (given name)Mid. In.
_______________________________________________________________________________________________
Last Name (surname) |
First Name (given name) |
Mid. In. |
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SECTION IV – Other Address Information For Consumer:
If you have been at your current residence for less than two years, please provide your prior residence address. Please state house or apartment number, followed by the street name, city, state/province, zip/postal code. If none, state “None”.
_______________________________________________________________________________________________
Previous Address Street, PO Box, or RFD
_______________________________________________________________________________________________
City or TownStateZip Code
SECTION V – Acknowledgement and Certification of Person Requesting Disclosure:
________
Date Signed |
By signing, I certify that: (1) I am the individual identified in Section II or an authorized legal representative for such individual |
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(parent of minor, guardian, |
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accompanying this request) is true and accurate. I acknowledge that MIB will need to verify my identity by using a service |
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provided by a third party that has personal information about me. |
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If signing as a legal representative, state your capacity and, as appropriate, provide evidence of your authority (appointment or |
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Power of Attorney). Disclosure is not provided to estate representatives and surviving relatives for deceased consumers. |
_______________________________________________________________________________________________
Current Address Street, PO Box, or RFD; City, State and Zip Code for authorized legal representative above |
Area Code/Telephone No |
Form |
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