Sections
28 entriesSection 1785.10Requires consumer credit reporting agencies, on request and proper identification, to let consumers inspect their files and receive required explanations and disclosures.…Section 1785.10.1Prohibits a consumer credit reporting agency from preventing or discouraging a report user from giving a consumer a copy of the report,…Section 1785.11Limits consumer credit reporting agencies to furnishing reports for court orders, consumer instructions, or specified legitimate purposes, and restricts non-consumer-initiated firm-offer reports…Section 1785.11.1Allows consumers to place a security alert and requires agencies to accept requests 24 hours a day, seven days a week, place…Section 1785.11.2Allows a consumer to place a security freeze and requires the agency to place, temporarily lift, or remove it within three business…Section 1785.11.3Requires a consumer credit reporting agency, while a security freeze is in place, to send written confirmation within 30 days after changing…Section 1785.11.4Exempts consumer credit reporting agencies acting only as resellers under the referenced provision from specified security-freeze sections when they merely assemble and…Section 1785.11.6Exempts specified check-services, fraud-prevention, and deposit-account information companies from requirements to place a security alert or security freeze in a consumer credit…Section 1785.11.8Allows a consumer to elect removal of the consumer’s name from lists a consumer credit reporting agency furnishes for credit-card solicitations by…Section 1785.11.9Defines protected consumer, record, representative, security freeze, sufficient proof of authority, and sufficient proof of identification. A protected consumer includes a person…Section 1785.11.10Exempts specified uses of a protected consumer’s credit report or record from the referenced protected-consumer freeze provisions, including qualifying monitoring services, report…Section 1785.11.11Requires agencies to place a protected-consumer security freeze within 30 days, confirm it within 10 days, and remove a qualifying freeze within…Section 1785.12Allows a consumer credit reporting agency, despite the otherwise applicable restriction, to give a governmental agency a consumer’s current and former addresses…Section 1785.13Prohibits consumer credit reports from including bankruptcies older than 10 years, specified adverse information generally older than seven years, medical debt, and…Section 1785.135Prohibits a consumer credit reporting agency from making a consumer credit report concerning a document that operates as a lien or other…Section 1785.14Requires consumer credit reporting agencies to verify users and permitted purposes, maintain reasonable compliance and accuracy procedures, and use specified identity checks…Section 1785.15Requires credit reporting agencies to disclose files, mail requested copies within five business days, and report employment inquiries for two years and…Section 1785.15.1Requires a consumer credit reporting agency, on a credit-score request, to provide the score, range, up to four adverse key factors, creation…Section 1785.15.2Requires a consumer credit reporting agency, when supplying required credit-score information, to provide either a score from a model widely distributed for…Section 1785.15.3Requires a consumer credit reporting agency contacted by a possible identity-theft victim to promptly provide a clear statement of statutory rights. After…Section 1785.16Requires a consumer credit reporting agency to reinvestigate a directly disputed file item without charge within 30 business days unless it reasonably…Section 1785.16.1Requires a consumer credit reporting agency to delete from a consumer credit report inquiries for credit reports based upon credit requests that…Section 1785.16.2Prohibits a creditor from selling a consumer debt to a debt collector after receiving the specified identity-theft notice for a consumer who…Section 1785.16.3Exempts a consumer reporting agency from the two referenced requirements when it acts only as a reseller that assembles and merges credit…Section 1785.17Allows a consumer credit reporting agency to charge up to $8 for specified disclosures and limited recipient notifications. Requires covered disclosures and…Section 1785.18Requires consumer credit reporting agencies reporting public-record information to identify its source and initial reporting or publication date. For employment reports containing…Section 1785.19Allows a consumer, in addition to other remedies, to seek up to $2,500 in civil penalties against anyone who knowingly and willfully…Section 1785.19.5Requires a consumer credit reporting agency, after a consumer’s written request and sufficient identification, to use reasonable procedures preventing the consumer’s report…