znalazlam te sama strone, co Irena, ale przetlumaczylabym to jak wyzej, zwlaszcza ze jest to przedmiotem kontrowersji wlasnie ze wzgledu na wystepujace tam dane personalne identyfikujace osobe, ktorej historia kredytowa jest sprawdzana.

Credit header data is the identifying information that accompanies consumers' credit reports. It consists of name, name variations, address, former addresses, telephone number (even unlisted numbers if known), date of birth (usually limited to month and/or year of birth) and Social Security number. Although credit header information is generated as part of the credit reporting process, the Federal Trade Commission has determined that it is not part of the credit history and therefore is not regulated under the Fair Credit Reporting Act.
Therefore, credit header data is sold separate from the credit history and has become the mainstay of a number of "people-finding" services provided by information vendors such as CDB Infotek, Lexis-Nexis, Information America and IRSC, to name a few. (A description of CDB Infotek's "Missing Links" service is attached to these comments.)