(b) Accuracy of report
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
(d) Notice to users and furnishers of information
(1) Notice requirementA consumer reporting agency shall provide to any person—
(A)
who regularly and in the ordinary course of business furnishes information to the agency with respect to any
consumer; or
a notice of such
person’s responsibilities under this subchapter.
(2) Content of notice
The Bureau shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription under this paragraph.
(e) Procurement of consumer report for resale
(1) DisclosureA person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report—
(A)
the identity of the end-user of the report (or information); and
(B)
each permissible purpose under
section 1681b of this title for which the report is furnished to the end-user of the report (or information).
(2) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report (or any information in the report) shall—
(A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person—
(i)
identifies each end user of the resold report (or information);
(ii)
certifies each purpose for which the report (or information) will be used; and
(iii)
certifies that the report (or information) will be used for no other purpose; and
(B)
before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A).
(3) Resale of consumer report to a Federal agency or departmentNotwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the report (or any information in the report) shall not disclose the identity of the end-user of the report under paragraph (1) or (2) if—
(A)
the end user is an agency or department of the United
States Government which procures the report from the
person for purposes of determining the eligibility of the
consumer concerned to receive access or continued access to classified information (as defined in
section 1681b(b)(4)(E)(i) of this title); and
(B)
the agency or department certifies in writing to the
person reselling the report that nondisclosure is necessary to protect classified information or the safety of
persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
(
Pub. L. 90–321, title VI, § 607, as added
Pub. L. 91–508, title VI, § 601,
Oct. 26, 1970,
84 Stat. 1130; amended
Pub. L. 104–208, div. A, title II, § 2407,
Sept. 30, 1996,
110 Stat. 3009–435;
Pub. L. 105–107, title III, § 311(b),
Nov. 20, 1997,
111 Stat. 2256;
Pub. L. 111–203, title X, § 1088(a)(2)(A),
July 21, 2010,
124 Stat. 2087.)
References in Text
Section 1681b(b)(4) of this title, referred to in subsec. (e)(3)(A), was subsequently amended, and section 1681b(b)(4)(E) no longer defines the term “classified information”. However, such term is defined elsewhere in that section.
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