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Note: For affordable legal assistance The Center For Debt Management highly recommends Standard Legal's Do-It-Yourself Software Kits. For credit repair services, Lexington Law Firm
is the most trusted law firm in America, with over 15 years of experience.
Fair Credit Reporting Act
ß 610. Conditions and form of disclosure to consumers [15 U.S.C. ß 1681h]
(a) In General
(1) Proper identification. A consumer reporting agency shall
require, as a condition of making the disclosures required under section
609 [§ 1681g], that the consumer furnish proper identification.
(2) Disclosure in writing. Except as provided in subsection (b), the disclosures
required to be made under section 609 [§ 1681g] 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 609 [§ 1681g]
(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.
(2) Form. A consumer may specify pursuant to paragraph (1) that disclosures under
section 609 [§ 1681g] 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.
(c) Trained personnel. Any consumer reporting agency shall provide trained personnel
to explain to the consumer any information furnished to him pursuant to section
609 [§ 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 616
and 617 [§§ 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
609, 610, or 615 [§§ 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, except as to false information furnished
with malice or willful intent to injure such consumer.
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Note: For affordable legal assistance The Center For Debt Management highly recommends Standard Legal's Do-It-Yourself Software Kits. For credit repair services, Lexington Law Firm
is the most trusted law firm in America, with over 15 years of experience.
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Fair Credit Reporting Act: FCRA Conditions and form of disclosure to consumers
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