---
kind: "section"
citation: "5 C.F.R. § 845.207"
title: "5"
number: "845.207"
heading: "Use of consumer reporting agencies."
url: "https://uscodex.org/cfr/5/845.207"
---

# §845.207. Use of consumer reporting agencies.

- (a) **Notice.** If a debtor's response to the notice described in [§ 845.204(a)](/cfr/5/845.204.md?p=a) does not result in payment in full, payment by offset, or payment in accordance with a voluntary repayment agreement or other repayment schedule acceptable to OPM, and the debtor's rights under [§ 845.204](/cfr/5/845.204.md) have been exhausted, OPM may report the debtor to a consumer reporting agency. In addition, a debtor's failure to make subsequent payments in accordance with a repayment schedule may result in a report to a consumer reporting agency. Before making a report to a consumer reporting agency, OPM will notify the debtor in writing that—
  - (1) The payment is overdue;
  - (2) OPM intends, after 60 days, to make a report as described in [paragraph (b)](#b) of this section to a consumer reporting agency;
  - (3) The debtor's right to dispute the liability has been exhausted under [§ 845.204](/cfr/5/845.204.md); and
  - (4) The debtor may suspend OPM action on referral by paying the debt in one lump sum or making payments current under a repayment schedule.
- (b) **Report.** When a debtor's response to the notice described in [paragraph (a)](#a) of this section fails to comply with [paragraph (a)(4)](#a-4) of this section or the debtor does not respond, and 60 days have elapsed since the notice was mailed, OPM may report to a consumer reporting agency that an individual is responsible for an unpaid debt and provide the following information:
  - (1) The individual's name, address, taxpayer identification number, and any other information necessary to establish the identity of the individual;
  - (2) The amount, status, and history of the debt; and
  - (3) **The fact that the debt arose in connection with the administration of FERS or CSRS.**
- (c) **Subsequent reports.** OPM will update its report to the consumer reporting agency whenever it has knowledge of events that substantially change the status or the amount of the liability.

## Notes

### Authority

Authority: 5 U.S.C. 8461.

### Source

Source: 52 FR 5931, Feb. 27, 1987; 52 FR 23014, June 17, 1987, unless otherwise noted.