CHAPTER 2. Obligations of Consumer Credit Reporting Agencies
Chapter 2 added by Stats. 1975, Ch. 1271.
§§ 1785.10–1785.19.5 · 28 sections
- § 1785.10 (a) Every consumer credit reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files…
- § 1785.10.1 (a) It is unlawful for a consumer credit reporting agency to prohibit in any manner, including, but not limited to, in the terms of a contract enforceable in…
- § 1785.11 (a) A consumer credit reporting agency shall furnish a consumer credit report only under the following circumstances: (1) In response to the order of a court…
- § 1785.11.1 (a) A consumer may elect to place a security alert in his or her credit report by making a request in writing or by telephone to a consumer credit reporting…
- § 1785.11.2 (a) A consumer may elect to place a security freeze on his or her credit report by making a request in writing by mail to a consumer credit reporting agency.…
- § 1785.11.3 (a) If a security freeze is in place, a consumer credit reporting agency shall not change any of the following official information in a consumer credit report…
- § 1785.11.4 The provisions of Sections 1785.11.1, 1785.11.2, and 1785.11.3 do not apply to a consumer credit reporting agency that acts only as a reseller of credit…
- § 1785.11.6 The following entities are not required to place in a credit report either a security alert, pursuant to Section 1785.11.1, or a security freeze, pursuant to…
- § 1785.11.8 A consumer may elect that his or her name shall be removed from any list that a consumer credit reporting agency furnishes for credit card solicitations, by…
- § 1785.11.9 For purposes of Sections 1785.11.10 and 1785.11.11, the following terms shall have the following meanings: (a) “Protected consumer” means an individual who is…
- § 1785.11.10 Sections 1785.11.9 to 1785.11.11, inclusive, do not apply to the use of a protected consumer’s consumer credit report or record by any of the following: (a) A…
- § 1785.11.11 (a) (1) A consumer credit reporting agency shall place a security freeze for a protected consumer if both of the following occur: (A) The consumer credit…
- § 1785.12 (a) Notwithstanding the provisions of Section 1785.11, a consumer credit reporting agency may furnish to a governmental agency a consumer’s name, address,…
- § 1785.13 (a) No consumer credit reporting agency shall make any consumer credit report containing any of the following items of information: (1) Bankruptcies that, from…
- § 1785.135 No consumer credit reporting agency shall make any consumer credit report with respect to a document which acts as a lien or other encumbrance, including, but…
- § 1785.14 (a) Every consumer credit reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1785.13 and to limit furnishing of…
- § 1785.15 (a) A consumer credit reporting agency shall supply files and information required under Section 1785.10 during normal business hours and on reasonable notice.…
- § 1785.15.1 (a) Upon the consumer’s request for a credit score, a consumer credit reporting agency shall supply to a consumer a notice which shall include the information…
- § 1785.15.2 (a) In complying with Section 1785.15.1, a consumer credit reporting agency shall supply the consumer with a credit score that is derived from a credit scoring…
- § 1785.15.3 (a) In addition to any other rights the consumer may have under this title, every consumer credit reporting agency, after being contacted by telephone, mail,…
- § 1785.16 (a) If the completeness or accuracy of any item of information contained in his or her file is disputed by a consumer, and the dispute is conveyed directly to…
- § 1785.16.1 A consumer credit reporting agency shall delete from a consumer credit report inquiries for credit reports based upon credit requests that the consumer credit…
- § 1785.16.2 (a) No creditor may sell a consumer debt to a debt collector, as defined in 15 U.S.C. Sec. 1692a, if the consumer is a victim of identity theft, as defined in…
- § 1785.16.3 The provisions of subdivisions (k) and (l) of Section 1785.16 do not apply to a consumer reporting agency that acts only as a reseller of credit information by…
- § 1785.17 (a) Except as otherwise provided, a consumer credit reporting agency may impose a reasonable charge upon a consumer, as follows: (1) For making a disclosure…
- § 1785.18 (a) Each consumer credit reporting agency which compiles and reports items of information concerning consumers which are matters of public record, shall…
- § 1785.19 (a) In addition to any other remedy provided by law, a consumer may bring an action for a civil penalty, not to exceed two thousand five hundred dollars…
- § 1785.19.5 Every consumer credit reporting agency, upon written request and the furnishing of sufficient identification to identify the consumer and the subject file,…