15 U.S. Code § 1681h - Conditions and form of disclosure to consumers
(a)
In general
(1)
Proper identification
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.
(2)
Disclosure in writing
Except as provided in subsection (b) of this section, the disclosures required to be made under section
1681g of this title shall be provided under that section in writing.
(b)
Other forms of disclosure
(1)
In general
If authorized by a consumer, a consumer reporting agency may make the disclosures required under
[1]
1681g of this title—
(2)
Form
A consumer may specify pursuant to paragraph (1) that disclosures under section
1681g of this title shall be made—
(c)
Trained personnel
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.
(d)
Persons accompanying consumer
The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer’s file in such person’s presence.
(e)
Limitation of liability
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 report
[2]
except as to false information furnished with malice or willful intent to injure such consumer.
[1] So in original. Probably should be followed by “section”.
[2] So in original. Probably should be followed by a comma.
Source
(Pub. L. 90–321, title VI, § 610, as added Pub. L. 91–508, title VI, § 601,Oct. 26, 1970, 84 Stat. 1131; amended Pub. L. 104–208, div. A, title II, § 2408(e)(1), (4), (5)(B),Sept. 30, 1996, 110 Stat. 3009–438, 3009–439.)
Amendments
1996—Pub. L. 104–208, § 2408(e)(5)(B), inserted “and form” after “Conditions” in section catchline.
Subsec. (a). Pub. L. 104–208, § 2408(e)(1), inserted heading and amended text of subsec. (a) generally. Prior to amendment, text read as follows: “A consumer reporting agency shall make the disclosures required under section
1681g of this title during normal business hours and on reasonable notice.”
Subsec. (b). Pub. L. 104–208, § 2408(e)(1), inserted heading and amended text of subsec. (b) generally. Prior to amendment, text read as follows: “The disclosures required under section
1681g of this title shall be made to the consumer—
“(1) in person if he appears in person and furnishes proper identification; or
“(2) by telephone if he has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer.”
Subsec. (e). Pub. L. 104–208, § 2408(e)(4), inserted “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 report” before “except”.
Effective Date of 1996 Amendment
Amendment by Pub. L. 104–208effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 ofPub. L. 104–208, set out as a note under section
1681a of this title.
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