Sections
14 entriesSection 1786.10Requires investigative consumer reporting agencies, on request and proper identification, to let consumers inspect files and identify report recipients from the prior…Section 1786.11Requires every investigative consumer reporting agency that provides an investigative consumer report to a person other than the consumer to make a…Section 1786.12Limits investigative consumer reporting agencies to furnishing reports in response to court orders, lawful subpoenas, consumer instructions, or specified employment, insurance, licensing,…Section 1786.14Allows an investigative consumer reporting agency, notwithstanding the referenced restriction, to furnish specified basic information about a consumer to a governmental agency.…Section 1786.16Requires specified users to make written disclosures and obtain required authorization before procuring investigative consumer reports, including insurance and employment reports; insurance…Section 1786.18Prohibits investigative consumer reports from including bankruptcies older than 10 years and specified adverse information generally older than seven years. Allows otherwise…Section 1786.20Requires investigative consumer reporting agencies to verify users and permissible purposes, use reasonable accuracy procedures, retain reports for two years, and publish…Section 1786.22Requires investigative consumer reporting agencies to provide required files during normal business hours on reasonable notice and make consumer files available in…Section 1786.24Requires an investigative consumer reporting agency to reinvestigate a consumer’s direct dispute without charge and correct or delete unverifiable, inaccurate, or incomplete…Section 1786.26Allows an investigative consumer reporting agency to charge up to $8 for specified consumer disclosures, with the charge disclosed beforehand. Requires one…Section 1786.28Requires investigative consumer reporting agencies reporting public-record information to identify its source, including the court when applicable, and initial reporting or publication…Section 1786.29Requires an investigative consumer reporting agency to place on the first page of each report a 12-point bold notice explaining that the…Section 1786.30Prohibits an investigative consumer reporting agency from repeating adverse information in a later investigative consumer report unless it is verified during preparation…Section 1786.40Requires a user of an investigative consumer report to notify a consumer when specified insurance, employment, or housing adverse action relies on…