California Codes, Civil Code - CIV, Division 3 — Obligations, Part 4 — Obligations Arising from Particular Transactions, Title 1.3 — Credit Cards, Section 1747.70
(a) No card issuer shall knowingly give any untrue credit information to any other person concerning a cardholder.
(b) No card issuer, after receiving an inquiry from a cardholder regarding a billing error and prior to satisfying the requirements of Section 1747.50, shall communicate unfavorable credit information concerning the cardholder to any person solely because of the cardholder’s failure to pay the amount by which the outstanding balance of the cardholder’s account is greater than the correct balance.
(c) No card issuer shall cancel or refuse to renew a credit card for the reason that the cardholder has obtained relief under Section 1747.50.
(d) Any cardholder who is injured by a willful violation of this section may bring an action for the recovery of damages. Judgment may be entered for three times the amount at which actual damages are assessed. The cardholder shall be entitled to recover reasonable attorney’s fees and costs incurred in the action.
Notes
Prohibits a card issuer from knowingly giving false credit information about a cardholder, reporting unfavorable information solely because a disputed excess balance remains unpaid before required billing-error procedures are completed, or canceling or refusing renewal because the cardholder obtained that relief. A willful violation supports damages up to three times actual damages plus reasonable attorney’s fees and costs.
Use as reference
Lexinter.net | California Code, Civil Code - CIV § 1747.70 | https://laws.lexinter.net/codes/california/civil-code/division-3/part-4/title-1-3/section-1747-70