---
kind: "section"
citation: "15 U.S.C. § 1666a"
title: "15"
title_heading: "Commerce and Trade"
number: "1666a"
heading: "Regulation of credit reports"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1666a"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part D — Credit Billing"
---

# §1666a. Regulation of credit reports

- (a) **Reports by creditor on obligor’s failure to pay amount regarded as billing error—** After receiving a notice from an obligor as provided in [section 1666(a) of this title](/usc/15/1666.md?p=a), a [creditor](/usc/15/1602.md?p=g) or his agent may not directly or indirectly threaten to report to any [person](/usc/15/1602.md?p=e) adversely on the obligor’s [credit](/usc/15/1602.md?p=f) rating or [credit](/usc/15/1602.md?p=f) standing because of the obligor’s failure to pay the amount indicated by the obligor under [section 1666(a)(2) of this title](/usc/15/1666.md?p=a-2), and such amount may not be reported as delinquent to any third party until the [creditor](/usc/15/1602.md?p=g) has met the requirements of [section 1666 of this title](/usc/15/1666.md) and has allowed the obligor the same number of days (not less than ten) thereafter to make payment as is provided under the [credit](/usc/15/1602.md?p=f) [agreement](/usc/15/7a.md?p=2) with the obligor for the payment of undisputed amounts.
- (b) **Reports by creditor on delinquent amounts in dispute; notification of obligor of parties notified of delinquency—** If a [creditor](/usc/15/1602.md?p=g) receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under [subsection (a)](#a) of this section, a [creditor](/usc/15/1602.md?p=g) may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under [section 1666(a)(2) of this title](/usc/15/1666.md?p=a-2), unless the [creditor](/usc/15/1602.md?p=g) also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the [creditor](/usc/15/1602.md?p=g) is reporting information concerning the delinquency.
- (c) **Reports by creditor of subsequent resolution of delinquent amounts—** A [creditor](/usc/15/1602.md?p=g) shall report any subsequent resolution of any delinquencies reported pursuant to [subsection (b)](#b) to the parties to whom such delinquencies were initially reported.

## Source credit

(Pub. L. 90–321, title I, § 162, as added Pub. L. 93–495, title III, § 306, Oct. 28, 1974, 88 Stat. 1513.)