,,ib ,union ,cal5d> ,no4 #bhh #aaf? ,,congress #a/ ,session ,h4 ,r4 #cfdb ,report ,no4 #aaf-cfc ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #i1 #bjai ,ms4 ,adams introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,decemb] #bc1 #bjai ,report$ ) an am5dm5t1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$ ,/rike out all aft] ! enact+ clause & ins]t ! "p pr9t$ 9 italic ,= text ( introduc$ bill1 see copy ( bill z introduc$ on ,july #i1 #bjai ,a ,,bill ,to am5d ! ,fair ,cr$it ,report+ ,act to fix ! consum] report dispute process1 to ban mislead+ & unfair consum] report+ practices1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,improv+ ,cr$it ,report+ = ,all ,consum]s ,act4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4 ,sec4 #b4 ,f9d+s4 ,sec4 #c4 ,effective date4 ,sec4 #d4 ,consum] ,bureau rulemak+4 ,title ,i--,improvem5ts to ! dispute process ,sec4 #aja4 ,dispute proc$ures & disclosures relat+ to re9ve/igations4 ,sec4 #ajb4 ,consum] aw>5ess ( dispute rights4 ,sec4 #ajc4 ,ma9t5ance ( records by furni%]s4 ,sec4 #ajd4 ,duties ( furni%]s relat+ to dispute proc$ures1 notices1 & disclosures4 ,sec4 #aje4 ,"r to appeal disputes relat+ to re9ve/igations & inve/igations4 ,sec4 #ajf4 ,revis$ consum] reports4 ,sec4 #ajg4 ,indication ( dispute by consum]s & use ( disput$ in=mation4 ,sec4 #ajh4 ,accuracy & complet5ess report duties = consum] report+ ag5cies & furni%]s4 ,sec4 #aji4 ,inclusion ( public record data s\rces 9 consum] reports4 ,sec4 #aaj4 ,injunctive relief = victims4 ,title ,,ii--,prohibition on mislead+ & unfair consum] report+ practices ,sec4 #bja4 ,prohibition on automatic r5ewals = promotional consum] report+ & cr$it scor+ products & s]vices4 ,sec4 #bjb4 ,prohibition on mislead+ & deceptive m>ket+ relat$ to ! provision ( consum] report+ & cr$it scor+ products & s]vices4 ,sec4 #bjc4 ,prohibiton on excessive direct-to-consum] sales4 ,sec4 #bjd4 ,fair access to consum] report+ & cr$it scor+ disclosures = nonnative ,engli% speak]s & ! visually & he>+ impair$4 ,sec4 #bje4 ,comp>ison %opp+ = loans )\t h>m to cr$it /&+4 ,sec4 #bjf4 ,nationwide consum] report+ ag5cies regi/ry4 #b4 ,f9d+s ,congress f9ds ! foll[+3 7#a7 ,g5]al f9d+s 7,a7 ,consum] report+ ag5cies 7,c,r,as7 are companies t collect1 compile1 & provide in=mation ab\t consum]s 9 ! =m ( consum] reports = c]ta9 p]missible /atutory purposes "u ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 7,,fcra74 ,! ?ree l>ge/ ,c,r,as 9 ?is c\ntry are ,equifax1 ,trans,union1 & ,exp]ian4 ,^! ,c,r,as are ref]r$ to z nationwide ,c,r,as & ! reports t !y prep>e are commonly ref]r$ to z cr$it reports4 ,furni%]s1 su* z cr$itors1 l5d]s1 & debt collection ag5cies1 volunt>ily submit in=mation to ,c,r,as ab\t _! acc\nts su* z ! total am\nt = ea* loan or cr$it limit = ea* cr$it c>d & ! consum]'s paym5t hi/ory on ^! products4 ,reports also include id5tify+ in=mation ab\t a consum]1 su* z _! bir?date1 previ\s mail+ addresses1 & curr5t & previ\s employ]s4 7,b7 ,9 a ,decemb] #bjab pap]1 ,key ,dim5sions & ,processes 9 ! ,u4,s4 ,cr$it ,report+ ,sy/em3 ,a review = h[ ! nation's l>ge/ cr$it bureaus manage consum] data1 ! ,bureau ( ,consum] ,f9ancial ,protection 7,consum] ,bureau7 not$ t ! ?ree nationwide ,c,r,as ma9ta9 cr$it files on approximately #bjj million adults & receive in=mation f ab\t #aj1jjj furni%]s4 ,on a mon?ly basis1 ^! furni%]s provide in=mation on ov] #a4c billion consum] cr$it acc\nts or o!r trade l9es4 7,c7 ,! #aj l>ge/ in/itutions furni%+ cr$it in=mation to ea* ( ! nationwide ,c,r,as acc\nt = m ?an half ( all acc\nts reflect$ 9 consum]s' cr$it files4 7,d7 ,consum] reports play an increas+ly important role 9 ! lives ( ,am]ican consum]s4 ,mo/ cr$itors1 = example1 review ^! reports to make decisions ab\t :e!r to ext5d cr$it to consum]s & :at t]ms & conditions to (f] !m4 ,z su*1 in=mation conta9$ 9 ^! reports affects :e!r a p]son is able to get a private education loan to pay = college co/s1 to secure a mortgage loan to buy a home1 or to obta9 a cr$it c>d1 z well z ! t]ms & conditions "u :i* consum] cr$it products or s]vices are (f]$ to !m4 7,e7 ,cr$it reports are also increas+ly us$ = _m noncr$it decisions1 includ+ by l&lords to det]m9e :e!r to r5t an ap>tm5t to a prospective t5ant & by employ]s to decide :e!r to hire pot5tial job applicants or to (f] a promotion to exi/+ employees4 7,f7 ,c,r,as h a /atutory obligation to v]ify indep5d5tly ! accuracy & complet5ess ( in=mation includ$ on ! reports t !y provide4 7,g7 ,! nationwide ,c,r,as h fail$ to e/abli% & foll[ reasonable proc$ures1 z requir$ by exi/+ law1 to e/abli% ! maximum level ( accuracy ( in=mation conta9$ on consum] reports4 ,giv5 ! repeat$ failures ( ^! ,c,r,as to comply ) accuracy requirem5ts on _! own1 legislation is int5d$ to provide !m ) detail$ guidance improv+ ! accuracy & complet5ess ( in=mation conta9$ 9 consum] reports1 includ+ proc$ures1 policies1 & practices t ^! ,c,r,as %\ld already be foll[+ to ensure full compliance ) _! exi/+ obligations4 7,h7 ,! pres5ce ( inaccurate or incomplete in=mation on ^! reports c result 9 sub/antial f9ancial & emotional h>m to consum]s4 ,cr$it report+ errors c lead to ! loss ( a new employm5t opportunity or a d5ial ( a promotion 9 an exi/+ job1 /op someone f be+ able to access cr$it on favorable t]ms1 prev5t a p]son f obta9+ r5tal h\s+1 or ev5 trigg] m5tal di/ress4 7,i7 ,curr5t indu/ry practices impose an unfair burd5 ( pro( on consum]s try+ to fix errors on _! reports4 7,j7 ,consum] reports conta9+ inaccurate or incomplete cr$it in=mation also und]m9e ! ability ( cr$itors & l5d]s to effectively & accurately und]write & price cr$it4 7,k7 ,recogniz+ t cr$it report+ affects ! lives ( almo/ all consum]s 9 ?is c\ntry & t ! consequ5ces ( errors on a consum] report c be cata/rophic = a consum]1 ! ,consum] ,bureau began accept+ consum] compla9ts ab\t cr$it report+ 9 ,octob] #bjab4 7,l7 ,z ( ,febru>y #bjag1 ! ,consum] ,bureau has h&l$ approximately #ahe1gag cr$it report+ compla9ts1 mak+ cr$it report+ consi/5tly ! ?ird mo/-compla9$-ab\t subject matt] on :i* ! ,consum] ,bureau accepts consum] compla9ts4 7,m7 ,9 ! ,mon?ly ,compla9t ,report ,volume #bj1 releas$ 9 ,febru>y #bjag1 ! ,consum] ,bureau not$ t #gf p]c5t ( cr$it report+ compla9ts involv$ incorrect in=mation on reports1 ) consum]s frequ5tly express+ _! fru/rations ab\t ! burd5some & "t-consum+ process to disput+ items4 7,n7 ,o!r common types ( cr$it report+ compla9ts submitt$ to ! ,consum] ,bureau relat$ to ! improp] use ( a report1 tr\ble obta9+ a report or cr$it score1 ,c,r,as' inve/igations1 & cr$it monitor+ or id5tity protection4 7,o7 ,9 ! summ] #bjae ,sup]visory ,highlights1 ! ,consum] ,bureau not$ t "o or m ( ! l>ge/ ,c,r,as fail$ to adequately ov]see furni%]s to ensure t !y 7 adh]+ to ! ,,cra's vett+ policies & to e/abli% prop] proc$ures to v]ify public record in=mation4 7,p7 ,accord+ to ! fall #bjaf ,sup]visory ,highlights1 ,consum] ,bureau exam9]s det]m9$ t "o or m debt collectors nev] inve/igat$ indirect disputes t lack$ detail or 7 n accompani$ by atta*m5ts ) relevant in=mation f ! consum]4 ,exam9]s also f\nd t notifications s5t to consum]s ab\t disputes consid]$ frivol\s fail$ to id5tify = ! consum]s ! type ( mat]ial t !y c\ld provide 9 ord] = ! debt collector to complete ! inve/igation ( ! disput$ item4 7,q7 ,a ,febru>y #bjad ,consum] ,bureau report titl$ ,cr$it ,report+ ,compla9t ,snap%ot f\nd t consum]s are confus$ ab\t ! ext5t to :i* ! nationwide ,c,r,as are requir$ to provide !m ) validation & docum5tation ( a debt t appe>s on _! cr$it report4 7,r7 ,z evid5ce t ! curr5t sy/em lacks suffici5t m>ket inc5tives = ,c,r,as to develop m robu/ proc$ures to increase ! accuracy & complet5ess ( in=mation on cr$it reports1 litigation discov]y docum5t$ by ! ,national ,consum] ,law ,c5t] 7,,nclc71 z "p ( a ,janu>y #bjji report titl$1 ,automat$ ,inju/ice3 ,h[ a ,me*aniz$ ,dispute ,sy/em ,fru/rates ,consum]s ,seek+ to ,fix ,errors 9 ,_! ,cr$it ,reports1 %[$ t at lea/ two ( ! ?ree l>ge/ ,c,r,as use quota sy/ems to =ce employees to process disputes ha/ily & )\t ! opportunity = conduct+ mean+ful inve/igations4 ,at lea/ "o nationwide ,,cra only all[$ dispute resolution /aff five m9utes to h&le a consum]'s call4 ,fur!rmore1 ^! ,c,r,as 7 f\nd to h aw>d$ bonuses = meet+ quotas & puni%$ ^? :o didn't meet production numb]s ) probation4 7,s7 ,unlike mo/ o!r bus9ess relation%ips1 :]e consum]s c regi/] _! satisfaction or unhapp9ess ) a p>ticul> cr$it product or s]vice simply by tak+ _! bus9ess else:]e1 consum]s h no say 9 :e!r _! in=mation is includ$ 9 ! ,c,r,as databases & limit$ legal rem$ies to hold ! ,c,r,as acc\ntable = inaccuracies or poor s]vice4 7,t7 ,accord+ly1 despite ! exi/+ /atutory m&ate = ,c,r,as to foll[ reasonable proc$ures to assure ! maximum possible accuracy ( ! in=mation :5ev] !y prep>e consum] reports1 num]\s /udies1 ! high volume ( consum] compla9ts submitt$ to ! ,consum] ,bureau ab\t incorrect in=mation on consum] reports1 & sup]visory activities by ! ,consum] ,bureau demon/rate t ,c,r,as cont9ue to skirt _! obligations "u ! law4 7#b7 ,incorrect in=mation on consum] reports 7,a7 ,consum]s are entitl$ to dispute errors on _! consum] reports ) ei!r ! ,,cra1 :o issu$ ! report1 or directly ) furni%]s1 :o suppli$ ! acc\nt in=mation to ! ,,cra1 & reque/ t mi/akes be delet$ or remov$4 ,consum]s1 :o believe an inve/igation has n correctly resolv$ _! dispute1 h[ev]1 h few options1 o!r ?an reque/+ t a /atem5t ab\t ! dispute be includ$ ) _! future reports4 7,b7 ,c,r,as h a /atutory obligation "u ! ,,fcra to p]=m a reasonable inve/igation by conduct+ a sub/antive & se>*+ inquiry :5 a consum] disputes an item on _! report4 ,9 do+ s1 ,c,r,as mu/ conduct an indep5d5t review ab\t ! accuracy ( any disput$ item & _c m]ely rely on a furni%]'s rubb]-/amp v]ification ( ! integrity ( ! in=mation !y h provid$ to ,c,r,as4 7,c7 ,! ,f$]al ,trade ,commission 7,,ftc71 9 a ,report to ,congress ,"u ,section #cai ( ! ,fair & ,accurate ,cr$it ,transactions ,act ( #bjjc releas$ 9 ,decemb] #bjab1 f\nd t #bf p]c5t ( survey p>ticipants id5tifi$ at lea/ "o pot5tially mat]ial error on _! consum] reports1 & #ac p]c5t exp]i5c$ a *ange 9 _! cr$it score once ! error 0 fix$4 7,d7 ,consum] ,bureau exam9]s h id5tifi$ repeat$ defici5cies ) ! nationwide ,c,r,as' in=mation collection4 ,9 ! summ] #bjae ,sup]visory ,highlights releas$ 9 ,june #bjae1 ! ,consum] ,bureau not$ cont9u$ weaknesses ) ,c,r,as' me?ods & processes = assur+ maximum possible accuracy 9 _! reports4 ,exam9]s also f\nd1 ) c]ta9 exceptions1 no quality control policies & proc$ures 9 place to te/ consum] reports = accuracy4 7,e7 ,9 its ,cr$it ,report+ ,compla9t ,snap%ot releas$ 9 ,febru>y #bjad1 ! ,consum] ,bureau f\nd t consum]s 7 unc]ta9 ab\t ! dep? & validity ( ! inve/igations p]=m$ ab\t a disput$ item4 ,consum]s also express$ fru/ration t1 ev5 ?\gh !y provid$ support+ mat]ials t !y believ$ demon/rat$ ! inaccuracy ( ! in=mation provid$ by furni%]s1 errors cont9u$ to rema9 on _! reports4 7,f7 ,9 ! w9t] #bjae ,sup]visory ,highlights releas$ 9 ,m>* #bjae1 ! ,consum] ,bureau report$ t "o or m nationwide ,c,r,as fail$ to adequately fulfill _! dispute-h&l+ obligations1 includ+ by n =w>d+ to furni%]s all relevant in=mation f\nd 9 lett]s & support+ docum5ts suppli$ by consum]s :5 !y submitt$ disputes fail+ to notify consum]s t !y _h complet$ inve/igations1 & n provid+ consum]s ) ! results ( ! ,c,r,as' reviews ab\t _! disputes4 7,g7 ,consum] ,bureau exam9]s also not$ 9 ! fall #bjaf ,sup]visory ,highlights releas$ 9 ,octob] #bjaf t "o or m entities fail$ to provide adequate guidance & tra9+ to /aff ab\t h[ to diff]5tiate ,,fcra disputes f g5]al cu/om] inquiries1 compla9ts1 or debt validation reque/s4 ,consum] ,bureau sup]visors also direct$ "o or m entities to develop & implem5t reasonable proc$ures to ensure t direct & indirect disputes are appropriately logg$1 categoriz$1 & resolv$4 7,h7 ,consum]s' increas+ fru/ration ab\t ! difficulties ( try+ to fix cr$it report+ errors1 evid5c$ ?r\gh ! volume ( consum] compla9ts relat$ to errors submitt$ to ! ,consum] ,bureau1 are also e*o$ 9 ano!r ,,ftc /udy issu$ 9 ,janu>y #bjae4 ,9 ! ,report to ,congress "u ,section #cai = ! ,fair & ,accurate ,cr$it ,transactions ,act ( #bjjc1 ! ,,ftc f\nd t ne>ly #gj p]c5t 7#hd p7 ( p>ticipants f a previ\s survey t _h fil$ disputes ) ,c,r,as cont9u$ to believe t at lea/ "s ( ! disput$ in=mation rema9$ inaccurate at ! "t ( ! foll[-up survey4 ,despite ^! views1 #ej p]c5t 7#db p7 ( ! survey p>ticipants decid$ to j give up try+ to fix ! errors1 ) only #de p]c5t 7#ch p7 ( !m plann+ to cont9ue to try to resolve _! disputes4 7,i7 ,! consi/5tly high volume ( consum] compla9ts submitt$ to ! ,consum] ,bureau ab\t cr$it report+ errors1 c\pl$ ) ! l>ge/ ,c,r,as' repeat$ quality control weaknesses f\nd by ,consum] ,bureau exam9]s1 %[ t ! nationwide ,c,r,as h fail$ to e/abli% & foll[ reasonable proc$ures to assure maximum accuracy ( in=mation & to conduct indep5d5t inve/igations ( consum]s' disputes4 ,^! ongo+ problems demon/rate ! ne$ = legislation to-- 7i7 enhance obligations on furni%]s to sub/antiate in=mation & require furni%]s to keep records = ! same am\nt ( "t t adv]se in=mation ab\t ^! acc\nts may appe> on a p]son's consum] report2 7ii7 elim9ate ,c,r,as' discretion to det]m9e ! relevancy ( mat]ials provid$ by consum]s to support _! dispute claims by in/ead requir+ !m to pass all mat]ial onto furni%]s & elim9at+ ,,cra's discretion to deem "s disputes frivol\s or irrelevant :5 a consum] resubmits a claim t !y believe has be5 inadequately resolv$2 7iii7 enhance educational cont5t on ,c,r,as' websites to improve consum]s' und]/&+ ( ! dispute process & to make x easi] = all consum]s to initiate claims1 includ+ by provid+ ^! disclosures 9 o!r languages besides ,engli%2 & 7iv7 create a new consum] "r to appeal reviews by ,c,r,as & furni%]s ( ! initial disputes4 7#c7 ,injunctive relief 7,a7 ,despite ! fact t ! ,,fcra curr5tly provides implicit au?ority = injunctive relief1 consum]s h be5 prev5t$ f ex]cis+ ?is "r4 ,legislation explicitly cl>ify+ ?is "r is int5d$ to und]score congressional int5t t injunctive relief %\ld be view$ z a rem$y available to consum]s4 7,b7 ,myriad f9d+s by ! c\rts1 regulators1 consum]s1 & consum] advocates make cle> t ,c,r,as h fail$ to e/abli% adequate /&>ds = ! accuracy & complet5ess ( consum] reports1 yet ! nationwide ,c,r,as h demon/rat$ little will+ness to volunt>ily retool _! policies & proc$ures to fix ! problems4 7,c7 ,provid+ c\rts ) explicit au?ority to issue injunctive relief1 by tell+ ! ,c,r,as to rem$y unlawful practices & proc$ures1 w\ld fur!r ,c,r,as' m&ate "u ! ,,fcra to assure ! maximum possible accuracy & complet5ess ( in=mation conta9$ on cr$it reports4 7,d7 ,abs5t explicit au?ority to issue injunctions1 hi/ory sugge/s t ! nationwide ,c,r,as are likely to cont9ue conduct+ bus9ess z usual 9 treat+ any monet>y settlem5ts ) individual consum]s & f9es impos$ by ,/ate attorneys g5]al & ,f$]al regulators1 simply z ! co/ ( do+ bus9ess4 7#d7 ,deceptive & mislead+ m>ket+ practices 7,a7 ,! ,consum] ,bureau's ,febru>y #bjae report titl$ ,consum] ,voices on ,cr$it ,reports & ,scores f\nd t "s consum]s did n obta9 a copy ( _! consum] report due to conc]ns ab\t security or ( be+ trapp$ into pur*as+ unwant$ products l an additional report or a cr$it monitor+ s]vice4 7,b7 ,9 ,janu>y #bjag1 ! ,consum] ,bureau f9$ ,trans,union & ,equifax = deceptively m>ket+ cr$it scores = pur*ase by consum]s z ! same cr$it scores typically us$ by l5d]s to det]m9e cr$itwor?9ess & = lur+ consum]s into co/ly subscription s]vices t 7 adv]tis$ z free or #a t automatically *>g$ recurr+ fees unless cancell$ by consum]s4 ,! ,consum] ,bureau also f\nd t ,equifax 0 illegally adv]tis+ its products on webpages t consum]s access$ ?r\gh ,annual,credit,report4com be=e consum]s obta9$ _! free disclosures4 ,because ( ^! tr\bl+ practices1 ,trans,union 0 ord]$ to pay #ac4i million 9 re/itution to h>m$ consum]s & a civil p5alty ( #c million to ! ,consum] ,bureau4 ,equifax 0 ord]$ to pay m ?an #c4g million to affect$ consum]s z well z a civil money p5alty ( #b4e million to ! ,consum] ,bureau4 ,z "p ( ! cons5t ord]s1 ! ,c,r,as are also suppos$ to *ange ! way t !y sell _! products to consum]s4 ,! ,c,r,as mu/ also obta9 consum]s' express cons5t be=e enroll+ !m into subscription s]vices z well z make x eas] = consum]s to cancel ^! programs4 7,c7 ,! ,consum] ,bureau f9$ ! o!r nationwide ,,cra--,exp]ian--9 ,m>* #bjag = deceiv+ consum]s ab\t ! use ( cr$it scores t x m>ket$ & sold to consum]s z cr$it scores t 7 us$ by l5d]s & = illegally adv]tis+ its products on web pages t consum]s access$ ?r\gh ,annual,credit,report4com be=e !y obta9$ _! free annual disclosures4 ,exp]ian 0 ord]$ to pay m ?an #c4g million 9 re/itution to h>m$ consum]s & a civil monet>y p5alty ( #b4e million to ! ,consum] ,bureau4 7,d7 ,! ,consum] ,bureau's ,janu>y & ,m>* #bjag cons5t ord]s ) ! ?ree nationwide ,c,r,as %[ t ^! ,c,r,as h entic$ consum]s into pur*as+ products & s]vices t !y may n want or ne$1 9 "s in/ances by adv]tis+ products or s]vices free t automatically conv]t$ into an ongo+ subscription s]vice at ! regul> price unless cancell$ by ! consum]4 ,al?\gh ^! ,c,r,as mu/ n[ *ange _! deceptive m>ket+ practices1 codify+ ^! duties is an appropriate way to ensure t ^! companies nev] rev]t back to su* mislead+ tactics4 7,e7 ,giv5 ! ubiquit\s use ( consum] reports 9 consum]s' lives & ! fact t consum]s' p>ticipation 9 ! cr$it report+ sy/em is involunt>y1 ,c,r,as %\ld also prioritize provid+ consum]s ) ! effective means to safegu>d _! p]sonal & f9ancial in=mation & improve _! cr$it /&+1 r ?an seek+ to exploit consum]s' conc]ns & confusion ab\t cr$it report+ & scor+1 to boo/ _! companies' pr(its4 7,f7 ,vuln]able consum]s1 :o h legitimate conc]ns ab\t ! security ( _! p]sonal & f9ancial in=mation1 des]ve cle>1 accurate1 & transp>5t in=mation ab\t ! cr$it report+ tools t may be available to !m1 su* z fraud al]ts & freezes4 #c4 ,effective date ,! am5dm5ts made by ?is ,act %all take effect #b ye>s aft] ! date ( ! enactm5t ( ?is ,act4 #d4 ,consum] ,bureau rulemak+ ,except z o!rwise provid$1 n lat] ?an ! end ( ! #b-ye> p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,bureau ( ,consum] ,f9ancial ,protection %all issue f9al rules to implem5t ! am5dm5ts made by ?is ,act4 ,i ,improvem5ts to ! dispute process #aja4 ,dispute proc$ures & disclosures relat+ to re9ve/igations 7a7 ,9 g5]al ,section #faa7;a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i7a77 is am5d$ to read z foll[s3 7a7 ,re9ve/igations ( disput$ in=mation by a consum] report+ ag5cy 7#a7 ,re9ve/igations requir$ 7,a7 ,9 g5]al ,subject to subsection 7f71 if ! complet5ess or accuracy ( any item ( in=mation conta9$ 9 a consum]'s file at a consum] report+ ag5cy is disput$ by ! consum] & ! consum] notifies ! ag5cy 7ei!r directly or indirectly ?r\gh a resell] or an au?oriz$ ?ird p>ty7 ( su* dispute1 ! ag5cy %all1 free ( *>ge-- 7i7 conduct a reasonable re9ve/igation us+ ! process describ$ 9 p>agraph 7#c7 to det]m9e :e!r ! disput$ in=mation is inaccurate1 incomplete1 or _c be v]ifi$2 7ii7 notify ! consum] t a notation describ$ 9 section #fje7;e7 w be add$ to ! consum]'s file until ! re9ve/igation has be5 complet$ & t su* notation c be remov$ at ! reque/ ( ! consum]2 & 7iii7 be=e ! end ( ! #cj-;day p]iod beg9n+ on ! date on :i* ! consum] report+ ag5cy receives ! notice ( ! dispute f ! consum] or ! resell]-- 7,i7 record ! curr5t /atus ( ! disput$ in=mation2 or 7,,ii7 delete or modify ! item 9 accordance ) p>agraph 7#c77;,d74 7,b7 ,ext5sion ( p]iod to re9ve/igate ,except z provid$ 9 subp>agraph 7,c71 ! #cj-;day p]iod describ$ 9 subp>agraph 7,a7 may be ext5d$ = p]iod n to exce$ #ae days if ! consum] report+ ag5cy receives additional in=mation f ! consum] or ! resell] reg>d+ ! dispute aft] ! date on :i* ! consum] report+ ag5cy notifi$ any p]son :o provid$ any item ( in=mation 9 dispute "u p>agraph 7#b77;,a74 7,c7 ,limitations on ext5sion ( p]iod to re9ve/igate ,subp>agraph 7,b7 %all n apply to any re9ve/igation 9 :i*1 dur+ ! #cj-;day p]iod describ$ 9 subp>agraph 7,a71 ! disput$ in=mation is f\nd to be inaccurate or incomplete1 or ! consum] report+ ag5cy det]m9es t ! disput$ in=mation _c be v]ifi$4 7#b7 ,prompt notice ( dispute to furni%] ( in=mation2 provision ( in=mation reg>d+ dispute provid$ by ! consum] or resell] 7,a7 ,9 g5]al ,be=e ! end ( ! p]iod ( #e bus9ess days beg9n+ on ! date on :i* a consum] report+ ag5cy receives notice ( a dispute f any consum] or resell] "u p>agraph 7#a77;,a71 ! consum] report+ ag5cy %all provide notification ( ! dispute to any p]son :o provid$ any item ( in=mation 9 dispute1 at ! address & 9 ! mann] e/abli%$ ) su* p]son4 ,! notice %all include all in=mation1 includ+ sub/antiat+ docum5ts1 reg>d+ ! dispute t 0 submitt$ to ! consum] report+ ag5cy4 7,b7 ,provision ( additional in=mation reg>d+ dispute aft] notification to ! furni%] ( in=mation ,if a consum] report+ ag5cy receives additional in=mation reg>d+ ! dispute f ! consum] or resell] aft] ! ag5cy provides ! notification describ$ "u subp>agraph 7,a7 & be=e ! end ( ! #cj-;day p]iod describ$ 9 p>agraph 7#a77;,a71 ! consum] report+ ag5cy %all1 n lat] ?an #c bus9ess days aft] receiv+ su* in=mation1 provide su* in=mation to ! p]son :o provid$ ! in=mation 9 dispute4 7#c7 ,reasonable /&>ds = consum] report+ ag5cies = conduct+ re9ve/igations & resolv+ disputes submitt$ by consum]s 7,a7 ,9 g5]al ,9 conduct+ a re9ve/igation ( disput$ in=mation1 a consum] report+ ag5cy %all1 at a m9imum-- 7i7 ma9ta9 suffici5t res\rces & tra9$ /aff1 comm5surate ) ! volume & complexity ( disputes receiv$ or reasonably anticipat$ to be receiv$1 to det]m9e :e!r ! disput$ in=mation is accurate1 complete1 or c be v]ifi$ by ! p]son :o provid$ ! in=mation2 7ii7 ensure t all /aff involv$ at any level ( ! re9ve/igation process1 includ+ any individual ) ultimate au?ority ov] det]m9+ :e!r ! disput$ in=mation is inaccurate1 incomplete1 or _c be v]ifi$1 are locat$ )9 ! ,unit$ ,/ates2 7iii7 v]ify t ! p]sonally id5tifiable in=mation ( ! consum] submitt+ ! dispute mat*es ! p]sonally id5tifiable in=mation conta9$ 9 ! consum]'s file1 & t su* in=mation is accurate & complete2 7iv7 v]ify t ! consum] report+ ag5cy has a record ( ! in=mation be+ disput$2 & 7v7 conduct a reasonable review t consid]s all in=mation1 includ+ sub/antiat+ docum5ts1 provid$ by ! consum] or resell]4 7,b7 ,consum] report+ ,! consum] report+ ag5cy %all n impose any limitation or o!rwise imp$e ! ability ( a consum] to submit in=mation ab\t ! disput$ item4 7,c7 ,indep5d5t analysis ,! re9ve/igation conduct$ "u subp>agraph 7,a7 %all be an indep5d5t analysis1 sep>ate f any inve/igation by a resell] or a p]son :o provid$ ! disput$ in=mation4 7,d7 ,deletion or modification ( in=mation conta9$ 9 a consum] file ,if ! disput$ in=mation is f\nd to be inaccurate1 incomplete1 or _c be v]ifi$1 ! dispute resolution /aff ( ! consum] report+ ag5cy %all h ! direct au?ority to delete or modify su* in=mation 9 ! consum]'s file1 z appropriate1 dur+ ! #cj-;day p]iod describ$ 9 p>agraph 7#a77;,a71 %all promptly notify ! consum] ( ! results ( ! re9ve/igation z describ$ 9 p>agraph 7#d71 & %all promptly notify any p]son :o provid$ su* in=mation to ! consum] report+ ag5cy ( ! modification or deletion made to ! consum]'s file4 7#d7 ,notice to consum] ( results ( re9ve/igation 7,a7 ,9 g5]al ,n lat] ?an #e bus9ess days aft] ! conclusion ( a re9ve/igation conduct$ "u ?is subsection1 ! consum] report+ ag5cy %all provide writt5 notice to ! consum] ( ! results ( ! re9ve/igation by po/al mail or1 if au?oriz$ by ! consum] = t purpose1 by o!r means available to ! ag5cy4 7,b7 ,cont5ts ( notice to consum] ( results ( re9ve/igation ,! notice describ$ 9 subp>agraph 7,a7 %all include-- 7i7 a /atem5t t ! re9ve/igation ( ! disput$ in=mation has be5 complet$2 7ii7 a /atem5t in=m+ ! consum] z to :e!r ! disput$ in=mation 0 det]m9$ to be inaccurate1 incomplete1 or unv]ifiable1 includ+ a /atem5t ( ! specific reasons support+ ! det]m9ation2 7iii7 if in=mation 9 ! consum]'s file has be5 delet$ or modifi$ z a result ( ! re9ve/igation-- 7,i7 a copy ( ! consum] report & cr$it score or educational score 7if applicable7 t is bas$ ^u ! consum]'s revis$ file2 7,,ii7 a /atem5t id5tify+ ! specific in=mation f ! consum]'s file t 0 delet$ or modifi$ because su* in=mation 0 det]m9$ to be inaccurate1 incomplete1 or unv]ifiable by ! consum] report+ ag5cy2 7,,iii7 a /atem5t t ! consum] has ! "r1 free ( *>ge1 to obta9 an additional consum] report & cr$it score or educational cr$it score 7if applicable7 )9 ! #ab-mon? p]iod foll[+ ! date ( ! conclusion ( ! re9ve/igation1 reg>dless ( :e!r ! consum] obta9$ or w obta9 a free annual consum] report & cr$it score or educational score 7if applicable7 "u section #fab2 & 7,,iv7 a /atem5t t ! consum] has ! "r1 free ( *>ge1 to reque/ "u subsection 7d7 t ! consum] report+ ag5cy furni% notifications ( ! consum]'s revis$ report2 7iv7 a description ( ! proc$ure us$ by ! dispute resolution /aff ( ! consum] report+ ag5cy to det]m9e ! accuracy or complet5ess ( ! in=mation1 includ+ ! bus9ess "n1 mail+ address1 telephone numb]1 & ,int]net website address 7if available7 ( any p]son :o provid$ in=mation :o 0 contact$ by ! /aff 9 connection ) ! det]m9ation2 7v7 a /atem5t t ! consum] has ! "r1 free ( *>ge1 to add a n>rative /atem5t to ! consum]'s file disput+ ! accuracy or complet5ess ( ! in=mation1 reg>dless ( ! results ( ! re9ve/igation by ! ag5cy1 & ! process = submitt+ su* a n>rative pursuant to subsection 7b72 7vi7 a copy ( all in=mation relat+ to ! consum] t 0 us$ by ! consum] report+ ag5cy 9 c>ry+ out ! re9ve/igation & reli$ ^u z ! basis = ! det]m9ation ab\t ! accuracy & complet5ess ( ! disput$ in=mation2 7vii7 a /atem5t t a consum] may1 free ( *>ge1 *all5ge ! results ( ! re9ve/igation by appeal )9 #abj days aft] ! date ! notice ( ! results ( ! re9ve/igation 0 provid$ to ! consum] & ! process = submitt+ an appeal2 7viii7 a /atem5t in=m+ ! consum] t a notation describ$ 9 section #fje7;e7 w be add$ to ! file ( ! consum] dur+ ! p]iod 9 :i* ! consum] appeals ! results ( a re9ve/igation & t su* notation c be remov$ at ! reque/ ( ! consum]2 & 7ix7 any o!r in=mation1 z det]m9$ by ! ,bureau4 7#e7 ,requirem5ts relat+ to re9s]tion ( previ\sly delet$ or modifi$ mat]ial 7,a7 ,c]tification ( new det]m9ation t item is accurate or complete ,a consum] report+ ag5cy may n re9s]t into a consum]'s file any in=mation t 0 previ\sly delet$ or modifi$ pursuant to p>agraph 7#c77;,d71 unless ! p]son :o provid$ ! in=mation-- 7i7 reque/s t ! consum] report+ ag5cy re9s]t su* in=mation2 7ii7 submits a writt5 c]tification t ! in=mation is accurate & complete2 & 7iii7 provides a /atem5t describ+ ! specific reasons :y ! in=mation %\ld be ins]t$4 7,b7 ,notice to consum] be=e re9s]tion c occur ,^u receipt ( a reque/ = re9s]tion ( disput$ in=mation "u subp>agraph 7,a71 ! consum] report+ ag5cy %all1 n lat] ?an #e bus9ess days be=e ! consum] report+ ag5cy re9s]ts ! in=mation into ! consum]'s file1 notify ! consum] 9 writ+ ( su* reque/ = re9s]tion4 ,su* notice %all include-- 7i7 ! bus9ess "n1 mail+ address1 telephone numb]1 & ,int]net website address 7if available7 ( any p]son :o provid$ in=mation to or contact$ ! consum] report+ ag5cy 9 connection ) ! re9s]tion2 7ii7 a copy ( ! in=mation relat+ to ! consum]1 ! c]tification t ! in=mation is accurate or complete1 & ! /atem5t ( ! reasons support+ re9s]tion provid$ by ! p]son :o provid$ ! in=mation to ! consum] report+ ag5cy "u subp>agraph 7,a72 7iii7 a /atem5t t ! consum] may obta91 free ( *>ge & )9 ! #ab-mon? p]iod foll[+ ! date ! notice "u ?is subp>agraph 0 issu$1 a consum] report & cr$it score or educational score 7if applicable7 f ! consum] report+ ag5cy t includes ! re9s]t$ in=mation1 reg>dless ( :e!r ! consum] obta9$ or w obta9 a free annual consum] report & cr$it score or educational cr$it score 7if applicable7 "u section #fab2 7iv7 a /atem5t t ! consum] may appeal ! det]m9ation t ! previ\sly delet$ or modifi$ in=mation is accurate or complete & a description ( ! proc$ure = ! consum] to make su* an appeal pursuant to subsection 7h72 & 7v7 a /atem5t t ! consum] has ! "r to add a n>rative /atem5t1 free ( *>ge1 to ! consum]'s file disput+ ! accuracy or complet5ess ( ! disput$ in=mation & a description ( ! process to add su* a n>rative /atem5t pursuant to subsection 7b74 7#f7 ,exp$it$ dispute resolution ,if a consum] report+ ag5cy det]m9es t ! in=mation provid$ by ! consum] is suffici5t to sub/antiate t ! item ( in=mation is inaccurate1 incomplete1 or _c be v]ifi$ by ! p]son :o furni%$ su* in=mation1 & ! consum] report+ ag5cy deletes or modifies su* in=mation )9 #c bus9ess days ( receiv+ notice ( ! dispute1 ! consum] report+ ag5cy %all be exempt f ! requirem5ts ( p>agraph 7#d71 if ! consum] report+ ag5cy provides to ! consum]-- 7,a7 prompt notice confirm+ ! deletion or modification ( ! in=mation f ! consum]'s file 9 writ+ or by o!r means1 if agre$ to by ! consum] :5 ! in=mation is disput$2 7,b7 a /atem5t ( ! consum]'s "r to reque/ t ! consum] report+ ag5cy furni% notifications ( a revis$ consum] report pursuant to subsection 7d72 7,c7 n lat] ?an #e bus9ess days aft] delet+ or modify+ ! in=mation1 a copy ( ! consum] report & cr$it score or educational score 7if applicable7 t is bas$ ^u ! consum]'s revis$ file2 & 7,d7 a /atem5t t ! consum] may obta91 free ( *>ge & )9 ! #ab-mon? p]iod foll[+ ! date ! notice "u ?is p>agraph 0 s5t to ! consum]1 a consum] report & cr$it score or educational score 7if applicable7 f ! consum] report+ ag5cy1 reg>dless ( :e!r ! consum] obta9$ or w obta9 _! free annual consum] report & cr$it score or educational score 7if applicable7 "u section #fab4 7#g7 ,no excuse = failure to conduct re9ve/igation ,a consum] report+ ag5cy may n refuse to conduct a re9ve/igation "u ?is subsection because ! ag5cy det]m9es t ! dispute 0 submitt$ by an au?oriz$ ?ird p>ty1 unless ! ag5cy has cle> & conv9c+ evid5ce t ! ?ird p>ty is n au?oriz$ to submit ! dispute on ! consum]'s behalf4 ,if ! consum] report+ ag5cy refuses to re9ve/igate a dispute = ^! reasons1 x %all provide a cle> & conspicu\s notice to ! consum] expla9+ ! reasons = ! refusal & describ+ ! specific in=mation ! consum] is requir$ to provide = ! ag5cy to conduct ! re9ve/igation4 4 7b7 ,ensur+ consum] report+ ag5cies furni% c]ta9 notifications )\t *>ge ,section #faa7;d7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i7d77 is am5d$ by ins]t+ & )\t *>ge aft] reque/ ( ! consum]4 7c7 ,includ+ specialty consum] report+ ag5cies 9 reports 7#a7 ,9 g5]al ,section #faa7;e7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i7e77 is am5d$ by ins]t+ or #fjc7x7 aft] section #fjc7p7 ea* place su* t]m appe>s4 7#b7 ,te*nical am5dm5t ,p>agraph 7#a7 ( su* section 7#ae ,u4,s4,c4 #afha;i7e77#a77 is am5d$ by /rik+ ,! ,commission & ins]t+ ,! ,bureau4 7d7 ,con=m+ am5dm5ts ,su* ,act is fur!r am5d$-- 7#a7 9 section #fje;,b7c77#b71 by /rik+ section #faa7;a77#e77;,b7 & ins]t+ section #faa7;a77#e72 7#b7 9 section #faa-- 7,a7 9 subsection 7c71 by /rik+ unless !re is reasonable gr\nds to believe t x is frivol\s or irrevelant12 & 7,b7 9 subsection 7f77#c7-- 7i7 9 subp>agraph 7,a71 by /rik+ p>agraph 7#f71 7#g71 or 7#h7 ( subsection 7a7 & ins]t+ p>agraph 7#d7 or 7#e7 ( subsection 7a72 & 7ii7 9 subp>agraph 7,b71 by /rik+ 9 ! mann] requir$ "u p>agraph 7#h77;,a72 & 7#c7 9 section #fbc7;b77#a77;,b71 by /rik+ relevant be=e in=mation4 7e7 ,global te*nical corrections to ref]5ces to nationwide specialty consum] report+ ag5cy ,su* ,act is fur!r am5d$-- 7#a7 by /rik+ section #fjc7w7 & ins]t+ section #fjc7x7 ea* place su* t]m appe>s2 & 7#b7 9 section #fab7;a77#a77;,a71 by /rik+ 7w7 & ins]t+ 7x74 #ajb4 ,consum] aw>5ess ( dispute rights ,section #faa ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7i7 ,increas$ consum] aw>5ess ( dispute rights 7#a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is subsection1 ea* consum] report+ ag5cy describ$ "u subsection 7p7 or 7x7 ( section #fjc %all-- 7,a7 e/abli% an ,int]net website accessible to consum]s2 & 7,b7 po/ on ! home page ( su* website a hyp]l9k to a sep>ate webpage e/abli%$ & ma9ta9$ solely = ! purpose ( provid+ in=mation to a consum] ab\t h[ to dispute an item ( in=mation 9 ! consum] report ( ! consum]4 7#b7 ,dispute webpage requirem5ts ,= a consum] report+ ag5cy describ$ "u subsection 7p7 or 7x7 ( section #fjc1 ! sep>ate dispute webpage describ$ 9 p>agraph 7#a77;,b7-- 7,a7 may n include any type or =m ( m>ket+1 adv]tis+1 in=mation1 or mat]ial associat$ ) any products or s]vices (f]$ or sold to consum]s2 7,b7 %all cle>ly & conspicu\sly disclose a concise /atem5t reg>d+ h[ to file a dispute ?r\gh ! ag5cy1 free ( *>ge1 9 ! mann] & =mat prescrib$ by ! ,bureau2 7,c7 %all describe ! types ( docum5ts t w be us$ by ! ag5cy 9 resolv+ ! dispute1 includ+ ! bus9ess "n & mail+ address to :i* a consum] may s5d su* docum5ts2 7,d7 %all include a cle> & concise explanation ( & ! process = us+ electronic or o!r means to submit su* docum5ts1 free ( *>ge1 & )\t any "* or data limitation impos$ by ! ag5cy2 7,e7 %all include a /atem5t t ! consum] may submit in=mation1 free ( *>ge1 t ! consum] believes w assi/ ! consum] report+ ag5cy 9 det]m9+ ! results ( ! re9ve/igation ( ! dispute2 7,f7 %all cle>ly & conspicu\sly disclose a /atem5t describ+ ! proc$ure likely to be us$ by ! consum] report+ ag5cy 9 c>ry+ out a re9ve/igation to det]m9e ! accuracy or complet5ess ( ! disput$ item ( in=mation1 includ+ ! "t p]iod 9 :i* ! consum] w be notifi$ ( ! results ( ! re9ve/igation1 & a /atem5t t ! ag5cy may ext5d ! re9ve/igation p]iod by an additional #ae days if ! consum] submits additional in=mation aft] a c]ta9 date2 & 7,g7 %all provide translations ( all in=mation on ! webpage 9 ea* ( ! #aj mo/ commonly spok5 languages1 o!r ?an ,engli%1 9 ! ,unit$ ,/ates1 z det]m9$ by ! ,bureau ( ! ,c5sus on an ongo+ basis1 & 9 =mats accessible to individuals ) he>+ or vision impairm5ts4 4 #ajc4 ,ma9t5ance ( records by furni%]s ,section #fbc ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7f7 ,duty ( furni%]s ,to ma9ta9 records ( consum]s 7#a7 ,9 g5]al ,a p]son :o furni%es in=mation to a consum] report+ ag5cy relat+ to a consum] :o has an acc\nt ) t p]son %all ma9ta9 all in=mation necess>y to sub/antiate ! accuracy & complet5ess ( ! in=mation furni%$1 includ+ any records e/abli%+ ! liability & t]ms & conditions "u :i* cr$it 0 ext5d$ to a consum] & any paym5t hi/ory ) respect to su* cr$it4 7#b7 ,ret5tion p]iod ,records describ$ "u p>agraph 7#a7 %all be ma9ta9$ until ! in=mation ) respect to :i* ! records relate may no long] be includ$ 9 a consum] report pursuant to section #fje4 7#c7 ,transf] ( own]%ip ,if a p]son provid+ in=mation to a consum] report+ ag5cy is acquir$ by ano!r p]son1 or if ano!r p]son acquires ! "r to repaym5t connect$ to su* in=mation1 ! acquir+ p]son %all be subject to ! requirem5ts ( ?is subsection ) respect to su* in=mation to ! same ext5t z ! p]son :o initially provid$ su* in=mation to ! consum] report+ ag5cy4 ,! p]son sell+ or transf]r+ ! "r to repaym5t %all provide ! in=mation describ$ 9 p>agraph 7#a7 to ! transf]ee or ! acquir]4 4 #ajd4 ,duties ( furni%]s relat+ to dispute proc$ures1 notices1 & disclosures 7a7 ,duty ,to provide accurate & complete in=mation ,section #fbc7;a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77 is am5d$-- 7#a7 9 ! subsection head+1 by ins]t+ & complete aft] accurate2 7#b7 9 p>agraph 7#a7-- 7,a7 by ins]t+ or incomplete aft] inaccurate ea* place t t]m appe>s2 & 7,b7 9 subp>agraph 7,d71 by ins]t+ or complet5ess aft] accuracy2 & 7#c7 9 p>agraph 7#h7-- 7,a7 9 subp>agraph 7,a71 by ins]t+ & complet5ess aft] accuracy2 & 7,b7 9 subp>agraph 7,d71 by ins]t+ or complet5ess aft] accuracy4 7b7 ,negative in=mation notices to consum]s ,section #fbc7;a77#g7 7#ae ,u4,s4,c4 #afhas-#b7;a77#g77 ( su* ,act is am5d$ to read z foll[s3 7#g7 ,duty ( furni%]s to in=m consum]s ab\t report+ negative in=mation 7,a7 ,g5]al negative in=mation w>n+ notice to all consum]s prior to furni%+ su* in=mation 7i7 ,9 g5]al ,any p]son t regul>ly furni%es negative in=mation to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc ab\t activity on any acc\nts ( a consum] held by su* p]son or transactions associat$ ) cr$it ext5d$ to a consum] by su* p]son %all provide a writt5 g5]al negative in=mation w>n+ notice to ea* su* consum] be=e su* p]son may furni% any negative in=mation relat+ to su* a consum]4 7ii7 ,cont5t ,su* notice %all-- 7,i7 be cle> & conspicu\s2 7,,ii7 describe ! types ( activities t con/itute negative in=mation2 7,,iii7 in=m ! consum] t ! p]son may report negative in=mation relat+ to any su* acc\nts or transactions to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc2 7,,iv7 /ate t ! negative in=mation may appe> on a consum] report ( ! consum] = ! p]iods describ$ 9 section #fje & t dur+ su* p]iods1 ! negative in=mation may adv]sely impact ! consum]'s cr$it score2 7,v7 /ate t 9 "s limit$ circum/ances1 ! negative in=mation may result 9 o!r adv]se actions1 includ+ a d5ial ( a new job or a promotion f exi/+ employm5t2 & 7,,vi7 /ate t ! consum] has "r to-- 7aa7 obta9 a copy ( _! consum] report & cr$it score or educational score 7if applicable71 :i* 9 "s in/ances c be obta9$ free ( *>ge1 f any consum] report+ ag5cy to :i* negative in=mation may be be5 s5t2 & 7bb7 dispute1 free ( *>ge1 any errors on a consum] report relat+ to ! consum]4 7iii7 ,tim+ ( notice ,su* p]son %all provide su* notice to a consum] n lat] ?an #ij days be=e ! date on :i* ! p]son furni%es negative in=mation relat+ to su* consum]4 7,b7 ,specific negative in=mation notice to a consum] 7i7 ,9 g5]al ,any p]son describ$ 9 subp>agraph 7,a7 t has furni%$ negative in=mation relat+ to activity on any acc\nts ( a consum] held by su* p]son or transactions associat$ ) cr$it ext5d$ to a consum] by su* p]son to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc %all s5d a writt5 notice to ea* su* consum]4 7ii7 ,cont5t ,su* notice %all-- 7,i7 be cle> & conspicu\s2 7,,ii7 in=m ! consum] t ! p]son has furni%$ negative in=mation relat+ to su* acc\nts or transactions to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc2 7,,iii7 id5tify any consum] report+ ag5cy to :i* ! negative in=mation 0 furni%$1 includ+ ! "n ( ! ag5cy1 mail+ address1 ,int]net website address1 & toll-free telephone numb]2 & 7,,iv7 include ! /atem5ts describ$ 9 subclauses 7,,iv71 7,v71 & 7,,vi7 ( subp>agraph 7,a77ii74 7iii7 ,"t ( notice ,su* p]son %all provide su* notice to a consum] n lat] ?an #e bus9ess days aft] ! date on :i* ! p]son furni%$ negative in=mation relat+ to su* consum]4 7,c7 ,notice effective = subsequ5t submissions ,aft] provid+ ! notice describ$ 9 subp>agraph 7,b71 ! p]son may submit additional negative in=mation to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc )\t provid+ additional notice to ! consum]1 unless ano!r p]son acquires ! "r to repaym5t connect$ to ! additional negative in=mation4 ,! acquir+ p]son %all be subject to ! requirem5ts ( ?is p>agraph & %all be requir$ to s5d consum]s ! writt5 notices describ$ 9 ?is p>agraph1 if applicable4 7,d7 ,non-traditional data furni%]s ,any p]son t furni%es negative in=mation to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc relat+ to any acc\nts (1 or transactions associat$ )1 a consum] by su* p]son involv+ non-traditional data %all be subject to ! requirem5ts describ$ 9 subp>agraphs 7,a71 7,b71 & 7,c74 7,e7 ,model notices 7i7 ,duty ( bureau ,n lat] ?an #f mon?s aft] date ( ! enactm5t ( ?is p>agraph1 ! ,bureau %all issue model =ms = ! notices describ$ 9 subp>agraphs 7,a7 & 7,b7 t a p]son may use to comply ) ! requirem5ts ( ?is p>agraph4 7ii7 ,use ( model notice n requir$ ,no provision ( ?is p>agraph may be con/ru$ to require a p]son to use ! model notices prescrib$ by ! ,bureau4 7iii7 ,compliance us+ model notices ,a p]son %all be deem$ to be 9 compliance ) ! requirem5ts ( subp>agraph 7,a77ii7 or 7,b77ii7 7z applicable7 if ! p]son uses ! model notice prescrib$ by ! ,bureau4 7,f7 ,issuance ( g5]al negative w>n+ notice )\t submitt+ negative in=mation ,no provision ( ?is p>agraph may be con/ru$ to require a p]son describ$ 9 subp>agraph 7,a7 or 7,d7 to furni% negative in=mation ab\t a consum] to a consum] report+ ag5cy describ$ 9 subsection 7p7 or 7x7 ( section #fjc4 7,g7 ,safe h>bor ,a p]son %all n be liable = failure to p]=m ! duties requir$ by ?is p>agraph if ! p]son reasonably believes t ! p]son is prohibit$1 by law1 f contact+ ! consum]4 7,h7 ,effective date ,! requirem5ts ( subp>agraphs 7,a71 7,b71 7,c71 & 7,d7 %all n take effect until ! date t is #f mon?s aft] ! date ( ! issuance ( model =ms = notices "u subp>agraph 7,e74 7,i7 ,def9itions ,9 ?is p>agraph1 ! foll[+ def9itions %all apply3 7i7 ,negative in=mation ,! t]m negative in=mation means in=mation conc]n+ a consum]'s del9qu5cies1 late paym5ts1 insolv5cy1 or any =m ( default4 7ii7 ,non-traditional data ,! t]m non-traditional data relates to telecommunications paym5ts1 utility paym5ts1 r5t paym5ts1 remittances1 wire transf]s1 & su* o!r items z det]m9$ by ! ,bureau4 4 7c7 ,duties ( furni%]s aft] receiv+ notice ( dispute f a consum] ,section #fbc7;a77#h77;,e7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77#h77;,e77 is am5d$ to read z foll[s3 7,e7 ,duties ( furni%]s aft] receiv+ notice ( dispute f a consum] ,aft] receiv+ a notice ( dispute f a consum] pursuant to subp>agraph 7,d71 ! p]son t provid$ ! in=mation 9 dispute to a consum] report+ ag5cy %all-- 7i7 promptly provide to ea* consum] report+ ag5cy to :i* ! p]son furni%$ ! disput$ in=mation ! notice ( dispute2 7ii7 review all in=mation1 includ+ any sub/antiat+ docum5ts1 provid$ by ! consum] ab\t ! disput$ in=mation & conduct an inve/igation1 sep>ate f any re9ve/igation by a consum] report+ ag5cy or a resell] conduct$ ) respect to ! disput$ in=mation2 7iii7 be=e ! expiration ( ! p]iod "u section #faa7;a77#a7 )9 :i* a consum] report+ ag5cy w\ld be requir$ to complete its action if ! consum] _h elect$ to dispute ! in=mation "u t section1 complete an inve/igation ( ! disput$ in=mation pursuant to ! /&>ds describ$ 9 subp>agraph 7,g72 7iv7 notify ! consum]1 9 writ+1 ( ! receipt ( ! dispute t includes-- 7,i7 a /atem5t ab\t any in=mation additional to ! in=mation t ! p]son is requir$ to ma9ta9 "u subsection 7f7 t w\ld support ! p]son's ability to c>ry out an inve/igation to resolve ! consum]'s dispute2 & 7,,ii7 a /atem5t t ! consum] report+ ag5cy to :i* ! disput$ in=mation 0 provid$ w include a notation describ$ 9 section #fje7;e7 9 ! consum]'s file until ! inve/igation has be5 complet$1 & in=mation ab\t h[ a consum] may reque/ t su* notation is remov$ by ! ag5cy2 7v7 if ! inve/igation det]m9es ! disput$ in=mation is inaccurate1 incomplete1 or unv]ifiable1 promptly notify ea* consum] report+ ag5cy to :i* ! p]son furni%$ su* in=mation 9 accordance ) p>agraph 7#b72 & 7vi7 notify ! consum] ( ! results ( ! inve/igation1 9 writ+1 9 accordance ) subp>agraph 7,h74 4 7d7 ,elim9at+ furni%]s' au?ority ,to dismiss disputes z frivol\s or irrelevant ,section #fbc7;a77#h7 ( su* ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77#h77 is am5d$ by /rik+ subp>agraph 7,f7 & r$esignat+ subp>agraph 7,g7 z subp>agraph 7,f74 7e7 ,additional duties ,section #fbc7;a77#h7 ( su* ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77#h77 is fur!r am5d$ by add+ at ! end ! foll[+ new subp>agraphs3 7,g7 ,reasonable /&>ds = furni%]s = conduct+ inve/igations & resolv+ disputes submitt$ by consum]s ,9 any inve/igation conduct$ by a p]son :o furni%es in=mation to a consum] report+ ag5cy ( an item ( in=mation be+ disput$ by a consum]1 ! p]son1 at a m9imum-- 7i7 %all ma9ta9 suffici5t res\rces & tra9$ /aff1 comm5surate ) ! volume & complexity ( disputes receiv$ or reasonably anticipat$ to be receiv$1 to conduct inve/igations2 7ii7 %all v]ify t ! p]son has a record ( ! p>ticul> in=mation be+ disput$1 consi/5t ) ! requirem5ts ( subsection 7f72 7iii7 %all v]ify t ! p]sonally id5tifiable in=mation ( ! consum] submitt+ ! dispute mat*es ! p]sonally id5tifiable in=mation conta9$ on su* records2 7iv7 %all conduct a reasonable review to det]m9e :e!r ! disput$ in=mation is accurate1 complete1 & c be v]ifi$ t consid]s all ! in=mation1 includ+ any sub/antiat+ docum5ts1 provid$ by ! consum] ab\t ! disput$ in=mation2 7v7 %all ensure t ! inve/igation is an indep5d5t analysis t is sep>ate f any re9ve/igation by a consum] report+ ag5cy or a resell] conduct$ ) respect to ! disput$ in=mation2 & 7vi7 may n impose any limitations or o!rwise imp$e ! ability ( a consum] to submit in=mation1 includ+ any sub/antiat+ docum5ts1 ab\t ! disput$ in=mation4 7,h7 ,cont5ts ( ! notice to ! consum] ab\t ! results ( ! inve/igation by ! furni%] ,! notice ( ! results ( ! inve/igation describ$ 9 subp>agraph 7,e7 %all include-- 7i7 a /atem5t in=m+ ! consum] z to :e!r ! disput$ in=mation 0 det]m9$ to be inaccurate1 incomplete1 or unv]ifiable2 7ii7 a /atem5t ( ! specific reasons support+ ! results ( ! inve/igation2 7iii7 a description ( ! proc$ure us$ by ! dispute resolution /aff ( ! p]son :o furni%es in=mation to a consum] report+ ag5cy to det]m9e ! accuracy or complet5ess ( ! in=mation1 includ+ ! bus9ess "n1 mail+ address1 telephone numb]1 & ,int]net website address 7if available7 ( any p]son :o 0 contact$ by ! /aff 9 connection ) ! det]m9ation2 7iv7 a copy ( all in=mation relat+ to ! consum] t 0 us$ 9 c>ry+ out ! inve/igation & 0 ! basis = any det]m9ation ab\t ! accuracy or complet5ess ( ! disput$ in=mation2 7v7 a /atem5t t consum] w receive1 free ( *>ge1 a copy ( _! consum] report & cr$it score or educational cr$it score 7if applicable71 f any consum] report+ ag5cy to :i* ! disput$ in=mation _h be5 provid$1 reg>dless ( :e!r ! consum] obta9$ or w obta9 a free consum] report & cr$it score or educational cr$it score 7if applicable7 9 ! #ab-mon? p]iod prec$+ receipt ( ! notice describ$ 9 ?is subp>agraph pursuant to section #fab7;a77#a72 7vi7 if ! disput$ in=mation 0 f\nd to be inaccurate1 incomplete1 or unv]ifiable1 a /atem5t t ! consum] report ( ! consum] %all be revis$ to reflect ! *ange to ! consum]'s file z a result ( ! inve/igation2 7vii7 a /atem5t t ! consum] has ! "r to appeal ! results ( ! inve/igation "u p>agraph 7#aj71 free ( *>ge1 )9 #abj days aft] ! date ( ! notice ( ! results ( ! inve/igation 0 provid$ to ! consum] & ! process = submitt+ an appeal2 7viii7 a /atem5t t ! consum] may add a n>rative /atem5t1 free ( *>ge1 to ! consum]'s file held by ! consum] report+ ag5cy to :i* ! in=mation has be5 furni%$ disput+ ! accuracy or complet5ess ( ! in=mation1 reg>dless ( ! results ( ! inve/igation by ! p]son1 & ! process = contact+ any ag5cy t receiv$ ! consum]'s in=mation f ! p]son to submit a n>rative /atem5t2 7ix7 a /atem5t in=m+ ! consum] t a notation describ$ 9 section #fje7;e7 w be add$ to ! consum]'s file dur+ ! p]iod 9 :i* ! consum] appeals ! results ( an inve/igation & t su* notation c be remov$ at ! reque/ ( ! consum]2 & 7x7 a /atem5t t ! consum] has ! "r to reque/ a copy ( _! consum] report & cr$it score or educational cr$it score 7if applicable71 free ( *>ge1 )9 ! #ab-mon? p]iod foll[+ ! date ( ! conclusion ( ! inve/igation f any consum] report+ ag5cy 9 :i* ! disput$ in=mation _h be5 provid$1 reg>dless ( :e!r ! consum] obta9$ or w obta9 a free annual consum] report & cr$it score or educational cr$it score 7if applicable7 "u ?is subp>agraph or section #fab7;a77#a74 4 7f7 ,con=m+ am5dm5t ,section #fae7;a77#d77;,b7 is am5d$-- 7#a7 by /rik+ 1 "u section #faa1 ) a consum] report+ ag5cy2 & 7#b7 by /rik+ furni%$ by ! ag5cy & ins]t+ to a consum] report+ ag5cy "u section #faa or to a p]son :o furni%$ in=mation to an ag5cy "u section #fbc4 #aje4 ,"r to appeal disputes relat+ to re9ve/igations & inve/igations 7a7 ,appeals ( re9ve/igations conduct$ by a consum] report+ ag5cy ,section #faa ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i7 is am5d$-- 7#a7 9 subsection 7b71 by ins]t+ or if ! consum] is unsatisfi$ ) ! results ( an appeal conduct$ "u subsection 7h71 aft] resolve ! dispute12 & 7#b7 by ins]t+ aft] subsection 7h7 7z add$ by section #ajb7 ! foll[+ new subsection3 7i7 ,consum] "r ,to appeal results ( a consum] report+ ag5cy re9ve/igation 7#a7 ,9 g5]al ,)9 #abj days aft] ! date ( receipt ( ! results ( a re9ve/igation conduct$ "u subsection 7a71 a consum] 7or au?oriz$ ?ird p>ty7 may1 free ( *>ge1 appeal ! results ( su* re9ve/igation by submitt+ a notice ( appeal to ! consum] report+ ag5cy4 7#b7 ,notice ( appeal 7,a7 ,requirem5ts ,a notice ( appeal describ$ 9 p>agraph 7#a7 may be submitt$ 9 writ+1 or ?r\gh a toll-free telephone numb] or o!r electronic means e/abli%$ by ! consum] report+ ag5cy 7includ+ on ! ,int]net website describ$ 9 subsection 7g771 &-- 7i7 %all id5tify ! in=mation conta9$ 9 ! consum]'s file t is ! subject ( ! appeal2 7ii7 %all describe ! specific reasons = submitt+ ! notice ( appeal2 & 7iii7 may provide any in=mation ! consum] believes is relevant to sub/antiate ! validity ( ! dispute4 7,b7 ,consum] report+ ag5cy notice to consum] ,^u receipt ( su* notice ( appeal1 ! consum] report+ ag5cy %all promptly provide to ! consum] a /atem5t confirm+ ! receipt ( ! consum]'s notice ( appeal t %all include-- 7i7 an approximate date on :i* ! consum]'s appeal review w be complet$2 7ii7 ! process & proc$ures by :i* su* review w be conduct$2 & 7iii7 an employee ref]5ce numb] or o!r employee id5tifi] = ea* ( ! specific individuals designat$ by ! consum] report+ ag5cy :o1 ^u ! reque/ ( ! consum]1 may discuss ! sub/ance & /atus ( ! appeal4 7#c7 ,consum] report+ ag5cy requirem5ts ^u receipt ( notice ( appeal 7,a7 ,9 g5]al ,n lat] ?an #bj days aft] receiv+ a notice ( appeal1 ! consum] report+ ag5cy %all review ! appeal4 ,if ! consum] report+ ag5cy det]m9es ! in=mation is inaccurate1 incomplete1 or _c be v]ifi$1 ! consum] report+ ag5cy %all delete or modify ! item ( in=mation be+ disput$ by ! consum] f ! file ( ! consum] be=e ! end ( ! #bj-;day p]iod beg9n+ on ! date on :i* ! consum] report+ ag5cy receives a notice ( an appeal f ! consum]4 7,b7 ,notice ( appeal to furni%]2 in=mation reg>d+ dispute provid$ by ! consum] 7i7 ,9 g5]al ,be=e ! end ( ! p]iod ( #c bus9ess days beg9n+ on ! date on :i* a consum] report+ ag5cy receives a notice ( appeal1 ! consum] report+ ag5cy %all provide notice ( ! appeal1 includ+ all in=mation relat+ to ! specific appeal t ! consum] report+ ag5cy has receiv$ f ! consum]1 to any p]son :o provid$ any in=mation 9 dispute4 7ii7 ,provision ( additional in=mation reg>d+ ! dispute ,if ! consum] report+ ag5cy receives additional in=mation f ! consum] aft] ! ag5cy provides ! notice requir$ "u clause 7i7 & be=e ! end ( ! #bj-;day p]iod describ$ 9 subp>agraph 7,a71 ! consum] report+ ag5cy %all1 n lat] ?an #c bus9ess days aft] receiv+ su* in=mation1 provide su* in=mation to any p]son :o provid$ ! in=mation 9 dispute & %all h an additional #aj bus9ess days to complete ! appeal review4 7,c7 ,m9imum /&>ds = appeals employees 7i7 ,designation ,^u receipt ( a notice ( appeal "u p>agraph 7#a71 a consum] report+ ag5cy %all designate "o or m specific employees :o-- 7,i7 %all be assign$ an employee ref]5ce numb] or o!r employee id5tifi] t c be us$ by ! consum] to discuss ! appeal ) ! specific individuals h&l+ ! appeal2 7,,ii7 %all h direct au?ority to resolve ! dispute t is ! subject ( ! notice ( appeal f ! review /age to its completion2 7,,iii7 %all meet m9imum tra9+ & ongo+ c]tification requirem5ts at regul> int]vals1 z e/abli%$ by ! ,bureau2 7,,iv7 %all be locat$ )9 ! ,unit$ ,/ates2 7,v7 may n h be5 involv$ 9 ! re9ve/igation conduct$ or t]m9at$ pursuant to subsection 7a72 & 7,,vi7 may n be subject to any requirem5ts l9k+ inc5tives1 includ+ promotion1 to ! numb] ( appeals process$ )9 a c]ta9 "t p]iod4 7ii7 ,requirem5ts ,su* employees %all conduct a robu/ review ( ! appeal & make a det]m9ation reg>d+ ! accuracy & complet5ess ( ! disput$ in=mation by-- 7,i7 conduct+ an indep5d5t analysis1 sep>ate f any inve/igation by a resell] or p]son :o provid$ ! disput$ in=mation1 & sep>ate f any prior re9ve/igation conduct$ by ! consum] report+ ag5cy ( ! disput$ in=mation2 7,,ii7 v]ify+ t ! p]sonally id5tifiable in=mation ( ! consum] submitt+ ! dispute mat*es ! p]sonally id5tifiable in=mation conta9$ on ! consum]'s file2 7,,iii7 analyz+ ! notice ( appeal & all in=mation1 includ+ any sub/antiat+ docum5ts1 provid$ by ! consum] ) ! notice ( appeal2 7,,iv7 evaluat+ ! validity ( any in=mation submitt$ by any p]son t 0 us$ by ! consum] report+ ag5cy 9 ! re9ve/igation ( ! initial dispute2 7,v7 v]ify+ t ! consum] report+ ag5cy has a record ( ! in=mation be+ disput$2 & 7,,vi7 apply+ any additional factors or inve/igative processes1 z specifi$ by ! ,bureau4 7,d7 ,notice ( appeal results ,n lat] ?an #e days aft] ! end ( ! #bj-;day p]iod describ$ "u subp>agraph 7,a7 7or ! #aj-;day ext5sion p]iod1 z applicable7 ! consum] report+ ag5cy %all provide ! consum] ) writt5 notice ( ! results ( ! appeal by po/al mail or1 if reque/$ by ! consum]1 by o!r means4 ,! cont5ts ( su* notice %all include-- 7i7 a /atem5t t ! appeal is complet$ & ! date on :i* x 0 complet$1 ! results ( ! appeal1 & ! specific reasons support+ ! results ( ! appeal2 7ii7 a copy ( all in=mation relat+ to ! consum] t 0 us$ z a basis = decid+ ! results ( ! appeal2 7iii7 a consum] report t is bas$ ^u ! consum]'s file z t file may h be5 revis$ z a result ( ! appeal2 7iv7 a description ( ! proc$ure us$ to det]m9e ! accuracy & complet5ess ( ! in=mation1 includ+ ! bus9ess "n1 telephone numb]1 mail+ address1 & ,int]net website address 7if applicable7 ( any p]son :o provid$ in=mation t 0 contact$ 9 connection ) su* in=mation1 if reasonably available2 7v7 in=mation describ+ t ! consum] may submit a /atem5t1 )\t *>ge1 disput+ ! accuracy or complet5ess ( in=mation 9 ! consum]'s file t 0 ! subject ( an appeal "u ?is subsection by submitt+ a /atem5t directly to ea* consum] report+ ag5cy t receiv$ ! in=mation2 7vi7 a description ( ! consum]'s rights pursuant to subsection 7d7 7relat+ to furni%+ notifications to c]ta9 us]s ( consum] reports72 & 7vii7 any o!r in=mation1 z det]m9$ by ! ,bureau4 7,e7 ,no excuse = failure to conduct appeal ,a consum] report+ ag5cy may n refuse to conduct a review ( an appeal "u ?is subsection because ! ag5cy det]m9es t ! notice ( appeal 0 submitt$ by an au?oriz$ ?ird p>ty1 unless ! ag5cy has cle> & conv9c+ evid5ce t ! ?ird p>ty is n au?oriz$ to submit ! notice ( appeal on ! consum]'s behalf4 ,if ! consum] report+ ag5cy refuses to conduct a review ( ! appeal = ^! reasons1 x %all provide a cle> & conspicu\s writt5 notice to ! consum] expla9+ ! reasons = ! refusal & describ+ any in=mation ! consum] is requir$ to provide = ! ag5cy to conduct a review ( ! appeal4 4 7b7 ,appeals ( inve/igations conduct$ by furni%]s ( in=mation ,section #fbc7;a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77 is am5d$ by add+ at ! end ! foll[+ new p>agraph3 7#aj7 ,duty ( furni%]s ( in=mation ^u notice ( appeal ( inve/igation 7,a7 ,9 g5]al ,)9 #abj days ( ! date ( receipt ( ! results ( an inve/igation conduct$ "u p>agraph 7#h77;,e71 a consum] may1 free ( *>ge1 appeal su* results by submitt+ a notice ( appeal to ! p]son :o provid$ ! in=mation 9 ! dispute to a consum] report+ ag5cy 7h]eaft] 9 ?is p>agraph ref]r$ to z ! furni%]74 7,b7 ,notice ( appeal ,a notice ( appeal describ$ 9 subp>agraph 7,a7 may be submitt$ 9 writ+1 ?r\gh a toll-free telephone numb]1 or by o!r electronic means e/abli%$ by ! furni%]1 &-- 7i7 %all id5tify ! in=mation conta9$ 9 ! consum]'s file t is ! subject ( ! appeal2 7ii7 %all describe ! specific reasons = submitt+ ! notice ( appeal2 & 7iii7 may include any in=mation1 includ+ sub/antiat+ docum5ts1 ! consum] believes is relevant to ! appeal4 7,c7 ,furni%] actions ,^u receipt ( su* notice ( appeal1 ! furni%] %all-- 7i7 be=e ! end ( ! p]iod ( #c bus9ess days beg9n+ on ! date on :i* ! furni%] receives ! notice ( appeal1 notify ea* consum] report+ ag5cy to :i* ! p]son furni%$ su* in=mation a /atem5t id5tify+ ! items ( in=mation t a consum] is appeal+2 & 7ii7 notify ! consum] confirm+ ! receipt ( ! consum]'s notice ( appeal1 includ+ an approximate date :5 ! consum]'s appeal w be complet$1 ! process & proc$ures by :i* a review ( ! appeal w be conduct$1 & ! specific individual designat$ by ! consum] report+ ag5cy :o1 ^u ! reque/ ( ! consum]1 may discuss ! sub/ance & /atus ( ! appeal4 7,d7 ,furni%] requirem5ts ^u receipt ( notice ( appeal ,n lat] ?an #bj days aft] receiv+ a notice ( appeal1 ! furni%] %all det]m9e :e!r ! item ( in=mation be+ disput$ by ! consum] is inaccurate1 incomplete1 or _c be v]ifi$1 & %all notify ! consum] report+ ag5cy ( ! det]m9ation4 ,if ! furni%] _c v]ify ! accuracy or complet5ess ( ! disput$ in=mation1 ! furni%] %all1 be=e ! end ( ! #bj-;day p]iod beg9n+ on ! date on :i* ! furni%] receives notice ( an appeal f ! consum]1 submit in/ructions to ! consum] report+ ag5cy t ! item ( in=mation be+ disput$ by ! consum] %\ld be delet$ f ! file ( ! consum]4 7,e7 ,m9imum /&>ds = appeals employees ,^u receipt ( a notice ( appeal "u subp>agraph 7,a71 a furni%] %all designate "o or m specific employees :o-- 7i7 %all be assign$ an employee ref]5ce numb] or o!r employee id5tifi] t c be us$ by ! consum] to discuss ! appeal ) ! specific individuals h&l+ ! appeal2 7ii7 %all h direct au?ority to resolve ! dispute t is ! subject ( ! notice ( appeal on behalf ( ! furni%] f ! review /age to its completion2 7iii7 %all meet m9imum tra9+ & ongo+ c]tification requirem5ts at regul> int]vals1 z e/abli%$ by ! ,bureau2 7iv7 may n h be5 involv$ 9 an inve/igation conduct$ pursuant to p>agraph 7#h72 & 7v7 may n be subject to any requirem5ts l9k+ inc5tives1 includ+ promotion1 to ! numb] ( appeals process$ )9 a c]ta9 "t p]iod4 7,f7 ,requirem5ts = appeals process ,su* employees %all conduct a robu/ review ( ! appeal & make a det]m9ation reg>d+ ! accuracy & complet5ess ( ! disput$ in=mation by-- 7i7 conduct+ an indep5d5t analysis1 sep>ate f any re9ve/igation by a resell] or consum] report+ ag5cy1 ( ! disput$ in=mation2 7ii7 v]ify+ t ! p]sonally id5tifiable in=mation relat$ to ! dispute is accurate & complete2 7iii7 analyz+ ! notice ( appeal & all in=mation1 includ+ sub/antiat+ docum5ts1 provid$ by ! consum] ) ! notice ( appeal2 7iv7 evaluat+ ! validity ( any in=mation submitt$ by any p]son t 0 us$ by ! furni%] 9 ! initial inve/igation into ! dispute2 7v7 v]ify+ t ! in=mation be+ disput$ relates to ! consum] 9 ^: file ! in=mation is locat$2 7vi7 v]ify+ t ! furni%] has a record ( ! in=mation be+ disput$2 & 7vii7 apply+ any additional factors or inve/igative processes1 z specifi$ by ! ,bureau4 7,g7 ,ext5sion ( review p]iod ,if a consum] submits additional in=mation relat$ to ! appeal aft] ! p]iod ( #c bus9ess days describ$ 9 subp>agraph 7,c77i7 & be=e ! end ( ! #bj-;day p]iod describ$ 9 subp>agraph 7,d71 ! furni%] %all h an additional #aj bus9ess days to complete ! review ( ! appeal4 7,h7 ,notice ( appeal results ,n lat] ?an #e days aft] ! end ( ! #bj-;day p]iod describ$ 9 subp>agraph 7,d7 7or ! #aj bus9ess day ext5sion describ$ "u subp>agraph 7,g71 z applicable7 ! furni%] %all provide ! consum] ) writt5 notice ( ! results ( ! appeal by mail or1 if reque/$ by ! consum]1 by o!r means4 ,! cont5ts ( su* notice %all include-- 7i7 a /atem5t t ! appeal is complet$ & ! date on :i* x 0 complet$1 ! results ( ! appeal1 & ! specific reasons support+ ! results ( ! appeal2 7ii7 a copy ( all in=mation relat+ to ! consum] t 0 us$ z a basis = decid+ ! results ( ! appeal2 7iii7 if ! appeal results 9 any *ange to ! consum] report1 a notification t ! consum] %all receive a copy1 free ( *>ge1 ( a revis$ consum] report 7bas$ ^u ! consum]'s file z t file 0 *ang$ z a result ( ! appeal7 & a cr$it score or educational cr$it score 7if applicable7 f ea* consum] report+ ag5cy t _h be5 furni%$ incorrect in=mation2 7iv7 a description ( ! proc$ure us$ to det]m9e ! accuracy & complet5ess ( ! in=mation1 includ+ ! bus9ess "n1 telephone numb]1 mail+ address1 & ,int]net website address 7if applicable71 ( any p]son :o provid$ in=mation t 0 contact$ 9 connection ) su* in=mation1 if reasonably available2 7v7 in=mation describ+ t ! consum] may submit a /atem5t1 )\t *>ge1 disput+ ! accuracy or complet5ess ( in=mation 9 ! consum]'s file t 0 ! subject ( an appeal "u ?is p>agraph by submitt+ a /atem5t directly to ea* consum] report+ ag5cy t receiv$ ! in=mation2 & 7vi7 a notification t ! consum] may reque/ ! furni%] to submit to ea* consum] report+ ag5cy ! consum]'s reque/ to furni% notifications pursuant to section #faa7;d7 7relat+ to furni%+ notifications to c]ta9 us]s ( consum] reports74 4 7c7 ,te*nical am5dm5t ,section #fbc7;a77#h77;,a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7;a77#h77;,a77 is am5d$ by /rik+ re9ve/igate & ins]t+ inve/igate4 7d7 ,con=m+ am5dm5ts ,section #fji ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;g7 is am5d$-- 7#a7 9 subsection 7c7-- 7,a7 by /rik+ ,commission & ins]t+ ,bureau ea* place t t]m appe>s2 7,b7 9 ! subsection head+1 by /rik+ rights ,to obta9 & dispute in=mation 9 consum] reports & ,to obta9 cr$it scores & ins]t+ key consum] report+ rights2 & 7,c7 9 p>agraph 7#a7-- 7i7 9 ! head+1 by /rik+ ,commission & ins]t+ ,bureau2 7ii7 9 subp>agraph 7,b7-- 7,i7 9 clause 7ii71 by /rik+ a consum] report )\t *>ge "u section #fab & ins]t+ consum] reports & cr$it scores or educational cr$it scores 7z applicable7 )\t *>ge "u subsections 7f71 7g71 7i71 or 7j7 or section #fab2 7,,ii7 9 clause 7iii71 by ins]t+ or section #fbc aft] section #faa2 7,,iii7 by /rik+ clauses 7iv7 & 7vi72 7,,iv7 by ins]t+ aft] clause 7iii7 ! foll[+ new clause3 7iv7 ! "r ( a consum] to appeal a det]m9ation ( a re9ve/igation conduct$ by a consum] report+ ag5cy "u section #faa7;h7 or an inve/igation conduct$ by a furni%] ( in=mation "u section #fbc7;a77#aj72 2 & 7,v7 by add+ at ! end ! foll[+ new clause3 7vi7 ! me?od & circum/ances "u :i* consum]s c obta9 a #a-ye> fraud al]t1 #g-ye> fraud al]t1 active duty al]t1 or security freeze z describ$ 9 section #fje;,a ?r\gh a consum] report+ ag5cy describ$ "u section #fjc7p74 2 7iii7 9 subp>agraph 7,c7 7z am5d$ by subp>agraph 7,a77 by ins]t+ & ! ,commission aft] ,bureau2 & 7iv7 by add+ at ! end ! foll[+ new subp>agraph3 7,d7 ,publication ( summ>y rights ,a consum] report+ ag5cy describ$ "u subsection 7p7 or 7x7 ( section #fjc %all display 9 a cle> & conspicu\s mann]1 includ+ on ! ,int]net website ( ! consum] report+ ag5cy1 ! summ>y ( rights prep>$ by ! ,bureau "u ?is p>agraph4 2 & 7#b7 9 subsection 7d71 by ins]t+ ,bureau & ! be=e ,commission4 #ajf4 ,revis$ consum] reports ,section #faa ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;i71 z am5d$ by section #aje7;a77#b71 is fur!r am5d$ by add+ at ! end ! foll[+ new subsection3 7j7 ,requirem5t ,to s5d revis$ consum] report to consum] ,^u receiv+ a notice describ$ 9 section #fbc7;a77#h77;,e77iv71 ea* consum] report+ ag5cy %all s5d to ! consum] a revis$ consum] report & cr$it score or education cr$it score 7if applicable7 bas$ ^u ! consum]'s file z t file 0 *ang$ z a result ( ! inve/igation4 4 #ajg4 ,indication ( dispute by consum]s & use ( disput$ in=mation ,section #fje7;f7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;c7f77 is am5d$ to read z foll[s3 7f7 ,indication ( dispute 7#a7 ,9 g5]al ,a consum] report+ ag5cy %all include 9 any consum] report bas$ on ! consum]'s file a notation id5tify+ any item ( in=mation t is curr5tly 9 dispute by ! consum] if-- 7,a7 a consum] disputes ! complet5ess or accuracy ( any item ( in=mation conta9$ 9 a consum]'s file pursuant to section #faa7;a77#a72 7,b7 a consum] files ) a consum] report+ ag5cy an appeal ( a re9ve/igation pursuant to section #faa7;i72 or 7,c7 ! consum] report+ ag5cy is notifi$ by a p]son t furni%$ any items ( in=mation t are curr5tly 9 dispute by ! consum] t-- 7i7 a consum] disputes ! complet5ess or accuracy ( any in=mation furni%$ by a p]son to any consum] report+ ag5cy pursuant to p>agraph 7#c7 or 7#h7 ( section #fbc7;a72 or 7ii7 a consum] submits a notice ( appeal "u section #fbc7;a77#aj74 7#b7 ,opt out ,a consum] may submit a reque/ to a consum] report+ ag5cy or a p]son :o furni%$ ! in=mation 9 dispute1 z applicable1 to h ! notation describ$ 9 p>agraph 7#a7 omitt$ f ! consum] report4 ,^u receipt ( su* a reque/-- 7,a7 by a consum] report+ ag5cy1 su* ag5cy %all remove ! notation )9 #a bus9ess day2 & 7,b7 by a p]son :o furni%$ ! in=mation 9 dispute1 su* p]son %all submit su* reque/ to ea* consum] report+ ag5cy to :i* ! p]son furni%$ su* in=mation )9 #a bus9ess day & su* ag5cy %all remove ! notation )9 #a bus9ess day ( receipt ( su* reque/4 4 #ajh4 ,accuracy & complet5ess report duties = consum] report+ ag5cies & furni%]s ,section #fjg7;b7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;e7 is am5d$ to read z foll[s3 7b7 ,accuracy & complet5ess ( report 7#a7 ,9 g5]al ,9 prep>+ a consum] report1 a consum] report+ ag5cy %all ma9ta9 reasonable proc$ures to ensure maximum possible accuracy & complet5ess ( ! in=mation conc]n+ ! individual to :om ! consum] report relates4 7#b7 ,bureau rule to assure maximum possible accuracy & complet5ess ) cr$it report+ practices 7,a7 ,rule ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is subsection1 ! ,bureau %all issue a f9al rule e/abli%+ ! proc$ures describ$ 9 p>agraph 7#a74 7,b7 ,requirem5ts ,9 =mulat+ ! rule requir$ "u subp>agraph 7,a71 ! ,bureau %all-- 7i7 develop /&>ds = mat*+ ! p]sonally id5tifiable in=mation includ$ 9 ! consum]'s file ) ! p]sonally id5tifiable in=mation furni%$ by ! p]son :o provid$ ! in=mation to ! consum] report+ ag5cy 7h]eaft] 9 ?is subsection ref]r$ to z ! furni%]71 includ+ ! full "n ( a consum]1 ! date ( bir? ( a consum]1 ! full social security numb] ( a consum]1 & any o!r in=mation t ! ,bureau det]m9es w\ld aid 9 assur+ maximum possible accuracy & complet5ess ( su* consum] reports2 7ii7 e/abli% processes = a consum] report+ ag5cy to monitor ! integrity ( ! data provid$ by furni%]s & ! compliance ( furni%]s ) ! requirem5ts ( ?is title2 7iii7 e/abli% processes = a consum] report+ ag5cy to regul>ly reconcile data relat+ to acc\nts 9 collection1 includ+ ^? t h n be5 paid 9 full1 by specify+ ! circum/ances "u :i* ! consum] report+ ag5cy %all remove or suppress negative or adv]se in=mation f a consum]'s file t has n be5 updat$ by a furni%] :o is also a debt collector 7z def9$ 9 section #hjc ( ! ,fair ,debt ,collection ,practices ,act7 )9 ! "t p]iod e/abli%$ by ! ,bureau2 7iv7 e/abli% proc$ures to require ea* consum] report+ ag5cy to review & monitor ! quality ( in=mation receiv$ f any s\rce1 includ+ in=mation f public records1 by regul>ly & on an ongo+ basis comp>+ ! in=mation receiv$ to ! in=mation available f ! orig9al s\rce & ensur+ t ! in=mation receiv$ is ! mo/ curr5t in=mation2 7v7 develop /&>ds & proc$ures = consum] report+ ag5cies to id5tify furni%]s t repeat$ly fail to provide accurate & complete in=mation1 to take corrective action aga9/ su* furni%]s1 & to reject in=mation submitt$ by su* furni%]s2 7vi7 develop /&>ds & proc$ures = consum] report+ ag5cies to adopt reg>d+ collection ( public record data1 includ+ /&>ds & proc$ures to consid] ! ultimate data s\rce1 h[ ! public record in=mation is fil$ & its availability & accessibility1 & :e!r in=mation relat+ to ! satisfaction ( judgm5ts or o!r updates to ! public record are available on a reasonably timely basis f a p>ticul> s\rce2 & 7vii7 e/abli% any o!r factors1 proc$ures1 or processes det]m9$ by ! ,bureau to be necess>y to assi/ consum] report+ ag5cies 9 a*iev+ maximum possible accuracy & complet5ess ( ! in=mation 9 consum] reports4 7#c7 ,corrective action = furni%]s t repeat$ly furni% inaccurate or incomplete in=mation ,^u id5tify+ a furni%] t repeat$ly fails to furni% accurate1 complete1 or v]ifiable in=mation to consum] report+ ag5cies1 ! ,bureau %all-- 7,a7 ensure ! prompt removal ( any adv]se in=mation relat+ to a consum]'s acc\nts submitt$ by su* furni%]2 & 7,b7 take corrective action1 :i* may include-- 7i7 m&atory revis$ tra9+ & tra9+ mat]ials = ! /aff ( ! furni%] reg>d+ ! furni%+ ( accurate & complete in=mation2 7ii7 %>+ indu/ry be/ practices & proc$ures reg>d+ accuracy & complet5ess2 or 7iii7 tempor>ily prohibit+ a furni%] f provid+ in=mation to a consum] report+ ag5cy4 4 #aji4 ,inclusion ( public record data s\rces 9 consum] reports ,section #fje7;d7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;c7d77 is am5d$ by add+ at ! end ! foll[+3 7#c7 ,public record data s\rce ,any consum] report+ ag5cy t furni%es a consum] report t conta9s public record data %all also include 9 su* report ! s\rce f :i* t data 0 obta9$1 includ+ ! p>ticul> c\rt1 if any1 & ! date t ! data 0 initially report$ or publiciz$4 4 #aaj4 ,injunctive relief = victims 7a7 ,9 g5]al ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7 9 section #faf-- 7,a7 9 subsection 7a71 by am5d+ ! subsection head+ to read z foll[s3 ,damages2 7,b7 by r$esignat+ subsections 7c7 & 7d7 z subsections 7d7 & 7e71 respectively2 & 7,c7 by ins]t+ aft] subsection 7b7 ! foll[+ new subsection3 7c7 ,injunctive relief ,9 addition to any o!r rem$y set =? 9 ?is section1 a c\rt may aw>d injunctive relief to require compliance ) ! requirem5ts impos$ "u ?is title ) respect to any consum]4 ,9 ! ev5t ( any successful action = injunctive relief "u ?is subsection1 ! c\rt may aw>d to ! prevail+ p>ty co/s & reasonable attorney fees 7z det]m9$ by ! c\rt7 incurr$ dur+ ! action by su* p>ty4 2 & 7#b7 9 section #fag-- 7,a7 9 subsection 7a71 by am5d+ ! subsection head+ to read z foll[s3 ,damages2 7,b7 by r$esignat+ subsection 7b7 z subsection 7c72 & 7,c7 by ins]t+ aft] subsection 7a7 ! foll[+ new subsection3 7b7 ,injunctive relief ,9 addition to any o!r rem$y set =? 9 ?is section1 a c\rt may aw>d injunctive relief to require compliance ) ! requirem5ts impos$ "u ?is title ) respect to any consum]4 ,9 ! ev5t ( any successful action = injunctive relief "u ?is subsection1 ! c\rt may aw>d to ! prevail+ p>ty co/s & reasonable attorney fees 7z det]m9$ by ! c\rt7 incurr$ dur+ ! action by su* p>ty4 4 7b7 ,en=cem5t by ,f$]al ,trade ,commission ,section #fba7;a77#b77;,a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas7a77#b77;,a77 is am5d$-- 7#a7 by am5d+ ! subp>agraph head+ to read z foll[s3 ,neglig5t1 willful1 or kn[+ violations2 & 7#b7 by ins]t+ neglig5t1 willful1 or be=e kn[+4 ,,ii ,prohibition on mislead+ & unfair consum] report+ practices #bja4 ,prohibition on automatic r5ewals = promotional consum] report+ & cr$it scor+ products & s]vices ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7 by add+ at ! end ! foll[+ new section3 #fcj4 ,promotional p]iods 7a7 ,t]m9ation notice ,) respect to any product or s]vice relat$ to a consum] report or a cr$it score t is provid$ to a consum] "u promotional t]ms1 ! sell] or provid] ( su* product or s]vice %all provide cle> & conspicu\s notice to ! consum] )9 a reasonable p]iod ( "t be=e ! promotional p]iod ends4 7b7 ,opt-,9 ,) respect to any su* product or s]vice1 ! sell] or provid] may n cont9ue to sell or provide su* product or s]vice to ! consum] aft] ! end ( ! promotional p]iod unless ! consum] specifically agrees at ! end ( ! promotional p]iod to cont9ue receiv+ ! product or s]vice4 2 & 7#b7 9 ! table ( cont5ts = su* ,act1 by ins]t+ aft] ! item relat+ to section #fbi ! foll[+ new item3 #fcj4 ,promotional p]iods4 4 #bjb4 ,prohibition on mislead+ & deceptive m>ket+ relat$ to ! provision ( consum] report+ & cr$it scor+ products & s]vices ,section #fji ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;g7 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#a7-- 7i7 by /rik+ reque/1 except & all t foll[s ?r\gh consum] to :om & ins]t+ reque/1 unless ! consum] to :om2 7ii7 by /rik+ disclosure2 & & ins]t+ disclosure42 & 7iii7 by /rik+ subp>agraph 7,b72 & 7,b7 9 p>agraph 7#f71 by ins]t+ or educational cr$it score 7if applicable7 "u subsection 7f7 or section #fab be=e ! p]iod at ! end2 & 7#b7 by add+ at ! end ! foll[+ new subsection3 7h7 ,disclosures on products & s]vices ,! ,bureau1 9 consultation ) ! ,f$]al ,trade ,commission1 %all issue regulations )9 #ah mon?s ( ! date ( ! enactm5t ( ?is subsection requir+ ea* consum] report+ ag5cy & resell] to cle>ly & conspicu\sly disclose all mat]ial t]ms & conditions1 includ+ any fee & pric+ in=mation associat$ ) any products or s]vices (f]$1 adv]tis$1 m>ket$1 or sold to consum]s by ! ag5cy or resell]4 ,su* disclosures %all be made 9 all =ms ( communication to consum]s & display$ prom95tly on ! ag5cy or resell]'s website & all o!r locations :]e products or s]vices are (f]$1 adv]tis$1 m>ket$1 or sold to consum]s4 4 #bjc4 ,prohibiton on excessive direct-to-consum] sales ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq471 z am5d$ by section #bja1 is fur!r am5d$-- 7#a7 by add+ at ! end ! foll[+ new section3 #fca4 ,fair & reasonable fees = products & s]vices ,! ,bureau may1 ) respect to any product or s]vice (f]$ by a consum] report+ ag5cy to a consum]1 set a fair & reasonable maximum fee t may be *>g$ = su* product or s]vice1 except :]e su* maximum fee is o!rwise provid$ "u ?is title4 2 & 7#b7 9 ! table ( cont5ts = su* ,act1 z am5d$ by section #bja1 by add+ at ! end ! foll[+ new item3 #fca4 ,fair & reasonable fees = products & s]vices4 4 #bjd4 ,fair access to consum] report+ & cr$it scor+ disclosures = nonnative ,engli% speak]s & ! visually & he>+ impair$ ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq471 z am5d$ by section #bjc1 is fur!r am5d$-- 7#a7 by add+ at ! end ! foll[+ new section3 #fcb4 ,fair access to in=mation = nonnative ,engli% speak]s & ! visually & he>+ impair$ 7a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( ! enactm5t ( ?is section1 ! ,bureau %all issue a rule to require consum] report+ ag5cies & p]sons :o furni% in=mation to consum] report+ ag5cies "u ?is title1 to ! maximum ext5t reasonably practicable-- 7#a7 to provide any in=mation1 disclosures1 or o!r communication ) consum]s-- 7,a7 9 ea* ( ! #aj mo/ commonly spok5 languages1 o!r ?an ,engli%1 9 ! ,unit$ ,/ates1 z det]m9$ by ! ,bureau ( ! ,c5sus on an ongo+ basis2 & 7,b7 9 =mats accessible to individuals ) he>+ or vision impairm5ts2 & 7#b7 to ensure t-- 7,a7 cu/om] s]vice repres5tatives1 includ+ employees assign$ to h&le disputes or appeals "u sections #faa & #fbc1 :o are available to assi/ consum]s are highly famili> ) ! requirem5ts ( ?is title2 7,b7 su* repres5tatives are available dur+ regul> bus9ess h\rs & outside ( regul> bus9ess h\rs1 includ+ ev5+s & week5ds2 & 7,c7 at lea/ "o among su* repres5tatives is flu5t 9 ea* ( ! #aj mo/ commonly spok5 languages1 o!r ?an ,engli%1 9 ! ,unit$ ,/ates1 z det]m9$ by ! ,bureau ( ! ,c5sus on an ongo+ basis4 7b7 ,bureau consultation ,! ,bureau %all consult ) advocates = civil rights1 consum] gr\ps1 community gr\ps1 & organizations t s]ve traditionally und]s]v$ communities & populations 9 issu+ ! rule describ$ 9 subsection 7a74 2 & 7#b7 9 ! table ( cont5ts = su* ,act1 z am5d$ by section #bjc1 by add+ at ! end ! foll[+ new item3 #fcb4 ,fair access to in=mation = nonnative ,engli% speak]s & ! visually & he>+ impair$4 4 #bje4 ,comp>ison %opp+ = loans )\t h>m to cr$it /&+ ,section #fje ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;c7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7i7 ,enc\rag+ consum]s ,to comp>ison %op = loans by treat+ gr\p$ enquiries ( ! same type )9 a reasonable p]iod z a s+le enquiry 7#a7 ,9 g5]al ,) respect to multiple enquiries ( ! same type made to a consum] report+ ag5cy = a consum] report or cr$it score ) respect to a consum]1 any cr$it scor+ model %all treat su* enquiries z a s+le enquiry if ! enquiries are made )9 a #abj-;day p]iod4 7#b7 ,def9ition ( enquiries ( ! same type ,) respect to multiple enquiries made to a consum] report+ ag5cy = a consum] report or cr$it score ) respect to a consum]1 su* enquiries are ( ! same type if ! consum] report+ ag5cy has reason to believe t ! enquiries are all made = ! purpose ( det]m9+ ! consum]'s cr$itwor?9ess = an ext5sion ( cr$it describ$ 9 "o ( ! foll[+3 7,a7 ,any loan prim>ily = p]sonal1 family1 or h\sehold use t is secur$ by a mortgage1 de$ ( tru/1 or o!r equival5t cons5sual security int]e/ on a dwell+ 7z def9$ 9 section #ajc7w7 ( ! ,tru? 9 ,l5d+ ,act71 includ+ a loan 9 :i* ! proce$s w be us$ =-- 7i7 a manufactur$ home 7z def9$ 9 section #fjc ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #edjb772 7ii7 any in/allm5t sales contract1 l& contract1 or contract = de$ on a resid5tial prop]ty2 or 7iii7 a rev]se mortgage transaction 7z def9$ 9 section #ajc ( ! ,tru? 9 ,l5d+ ,act74 7,b7 ,a motor vehicle loan or lease 7z describ$ 9 section #fji7;j774 7,c7 ,a private education loan4 7,d7 ,any o!r consum] f9ancial product or s]vice1 z det]m9$ by ! ,bureau4 4 #bjf4 ,nationwide consum] report+ ag5cies regi/ry ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq471 z am5d$ by section #bjd1 is fur!r am5d$-- 7#a7 by add+ at ! end ! foll[+ new section3 #fcc4 ,nationwide consum] report+ ag5cies regi/ry 7a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is section1 ! ,bureau %all e/abli% & ma9ta9 a publicly accessible regi/ry ( consum] report+ ag5cies describ$ 9 subsection 7p7 or 7x7 ( section #fjc 7& any o!r ag5cies ! ,bureau det]m9es provide simil> s]vices to su* consum] report+ ag5cies7 t includes curr5t contact in=mation ( ea* su* ag5cy1 includ+ ! ,int]net website address ( ! ,int]net website describ$ "u section #faa7;h71 & in=mation on h[ consum]s c obta9 _! consum] report1 cr$it scores1 or educational cr$it scores 7z applicable7 by toll-free telephone1 po/al mail1 or electronic means4 7b7 ,regi/ry requirem5ts ,! regi/ry describ$ 9 subsection 7a7 %all-- 7#a7 id5tify ! l>ge/ ag5cies & ! m>kets & demographics cov]$ by su* ag5cies2 & 7#b7 disclose1 ) respect to ea* ag5cy1 :e!r ! ag5cy is subject to ! sup]visory au?ority ( ! ,bureau "u ?is title4 7c7 ,in=mation updates ,ea* ag5cy describ$ "u subsection 7a7 %all submit to ! ,bureau contact in=mation = ! regi/ry1 includ+ any updates to su* in=mation4 ,! ,bureau %all-- 7#a7 indep5d5tly v]ify in=mation submitt$ by ea* ag5cy2 & 7#b7 update ! regi/ry n less frequ5tly ?an annually4 2 & 7#b7 9 ! table ( cont5ts = su* ,act1 z am5d$ by section #bjd1 by add+ at ! end ! foll[+ new item3 #fcc4 ,nationwide consum] report+ ag5cies regi/ry4 4 ,decemb] #bc1 #bjai ,report$ ) an am5dm5t1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$