§1681g. Disclosures to consumers — Inbound Citations

Citations to 15 U.S.C. § 1681g as a whole

• 15 U.S.C. § 1681b(b)(1)(B)

  Go to provision →
  (B) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer’s rights under this subchapter, as prescribed by the Bureau under section 1681g(c)(3)¹ of this title.
• 15 U.S.C. § 1681b(b)(3)(A)(ii)

  Go to provision →
  (ii) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g(c)(3)¹ of this title.
• 15 U.S.C. § 1681b(b)(3)(B)(ii)

  Go to provision →
  (ii) If, under clause (B)(i)(IV), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer’s request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer’s rights as prescribed by the Bureau under section 1681g(c)(3)¹ of this title.
• 15 U.S.C. § 1681b(c)(3)

  Go to provision →
  (3) Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
• 15 U.S.C. § 1681c(d)(2)

  Go to provision →
  (2) Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor (as defined in section 1681g(f)(2)(B) of this title) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities.
• 15 U.S.C. § 1681c–1

  Go to provision →
  (a) One-call fraud alerts
• 15 U.S.C. § 1681d(a)(1)

  Go to provision →
  (1) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and (B) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection (b) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g(c) of this title; and
• 15 U.S.C. § 1681h(a)(1)

  Go to provision →
  (1) A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification.
• 15 U.S.C. § 1681h(a)(2)

  Go to provision →
  (2) Except as provided in subsection (b), the disclosures required to be made under section 1681g of this title shall be provided under that section in writing.
• 15 U.S.C. § 1681h(b)(1)

  Go to provision →
  (1) If authorized by a consumer, a consumer reporting agency may make the disclosures required under¹ 1681g of this title—

  (A) other than in writing; and

  (B) in such form as may be—

  (i) specified by the consumer in accordance with paragraph (2); and

  (ii) available from the agency.
• 15 U.S.C. § 1681h(b)(2)

  Go to provision →
  (2) A consumer may specify pursuant to paragraph (1) that disclosures under section 1681g of this title shall be made—

  (A) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice;

  (B) by telephone, if the consumer has made a written request for disclosure by telephone;

  (C) by electronic means, if available from the agency; or

  (D) by any other reasonable means that is available from the agency.
• 15 U.S.C. § 1681h(c)

  Go to provision →
  (c) Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 1681g of this title.
• 15 U.S.C. § 1681h(e)

  Go to provision →
  (e) Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report² except as to false information furnished with malice or willful intent to injure such consumer.
• 15 U.S.C. § 1681j(a)(1)(A)

  Go to provision →
  (A) All consumer reporting agencies described in subsections (p) and (w)¹ of section 1681a of this title shall make all disclosures pursuant to section 1681g of this title once during any 12-month period upon request of the consumer and without charge to the consumer.
• 15 U.S.C. § 1681j(b)

  Go to provision →
  (b) Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer’s credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.
• 15 U.S.C. § 1681j(c)

  Go to provision →
  (c) Upon the request of the consumer, a consumer reporting agency shall make all disclosures pursuant to section 1681g of this title once during any 12-month period without charge to that consumer if the consumer certifies in writing that the consumer—

  (1) is unemployed and intends to apply for employment in the 60-day period beginning on the date on which the certification is made;

  (2) is a recipient of public welfare assistance; or

  (3) has reason to believe that the file on the consumer at the agency contains inaccurate information due to fraud.
• 15 U.S.C. § 1681j(d)

  Go to provision →
  (d) Upon the request of a consumer, a consumer reporting agency described in section 1681a(p) of this title shall make all disclosures pursuant to section 1681g of this title without charge to the consumer, as provided in subsections (a)(2) and (b)(2) of section 1681c–1 of this title, as applicable.
• 15 U.S.C. § 1681j(f)(1)(A)

  Go to provision →
  (A) for making a disclosure to the consumer pursuant to section 1681g of this title, which charge—

  (i) shall not exceed $8; and

  (ii) shall be indicated to the consumer before making the disclosure; and
• 15 U.S.C. § 1681m(a)(2)(A)

  Go to provision →
  (A) of a numerical credit score as defined in section 1681g(f)(2)(A) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report; and
• 15 U.S.C. § 1681m(a)(2)(B)

  Go to provision →
  (B) of the information set forth in subparagraphs (B) through (E) of section 1681g(f)(1) of this title;
• 15 U.S.C. § 1681m(h)(5)(E)(i)

  Go to provision →
  (i) a numerical credit score as defined in section 1681g(f)(2)(A) of this title, used by such person in making the credit decision described in paragraph (1) based in whole or in part on any information in a consumer report; and
• 15 U.S.C. § 1681m(h)(5)(E)(ii)

  Go to provision →
  (ii) the information set forth in subparagraphs (B) through (E) of section 1681g(f)(1) of this title.
• 15 U.S.C. § 1681t(b)(1)(G)

  Go to provision →
  (G) section 1681g(e) of this title, relating to information available to victims under section 1681g(e) of this title;
• 15 U.S.C. § 1681t(b)(3)

  Go to provision →
  (3) with respect to the disclosures required to be made under subsection (c), (d), (e), or (g) of section 1681g of this title, or subsection (f) of section 1681g of this title relating to the disclosure of credit scores for credit granting purposes, except that this paragraph—

  (A) shall not apply with respect to sections 1785.10, 1785.16, and 1785.20.2 of the California Civil Code (as in effect on December 4, 2003) and section 1785.15 through section 1785.15.2 of such Code (as in effect on such date);

  (B) shall not apply with respect to sections 5–3–106(2) and 212–14.3–104.3 of the Colorado Revised Statutes (as in effect on December 4, 2003); and

  (C) shall not be construed as limiting, annulling, affecting, or superseding any provision of the laws of any State regulating the use in an insurance activity, or regulating disclosures concerning such use, of a credit-based insurance score of a consumer by any person engaged in the business of insurance;
• 15 U.S.C. § 1681t(b)(5)(D)

  Go to provision →
  (D) section 1681g(a)(1)(A) of this title;