U.S Code last checked for updates: Jun 24, 2024
§ 1681c.
Requirements relating to information contained in consumer reports
(a)
Information excluded from consumer reports
Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information:
(1)
Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
(2)
Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
(3)
Paid tax liens which, from date of payment, antedate the report by more than seven years.
(4)
Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
(5)
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
(6)
The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless—
(A)
such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or
(B)
the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
(7)
With respect to a consumer reporting agency described in section 1681a(p) of this title, any information related to a veteran’s medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran’s medical debt and the consumer reporting agency is in compliance with its obligation under section 302(c)(5) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
(8)
With respect to a consumer reporting agency described in section 1681a(p) of this title, any information related to a fully paid or settled veteran’s medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veteran’s medical debt and the consumer reporting agency is in compliance with its obligation under section 302(c)(5) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
(b)
Exempted cases
The provisions of paragraphs (1) through (5) of subsection (a) are not applicable in the case of any consumer credit report to be used in connection with—
(1)
a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;
(2)
the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or
(3)
the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more.
(c)
Running of reporting period
(1)
In general
(2)
Effective date
(d)
Information required to be disclosed
(1)
Title 11 information
(2)
Key factor in credit score information
(e)
Indication of closure of account by consumer
(f)
Indication of dispute by consumer
(g)
Truncation of credit card and debit card numbers
(1)
In general
(2)
Limitation
(3)
Effective date
This subsection shall become effective—
(A)
3 years after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before January 1, 2005; and
(B)
1 year after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after January 1, 2005.
(h)
Notice of discrepancy in address
(1)
In general
(2)
Regulations
(A)
Regulations required
(B)
Policies and procedures to be included
The regulations prescribed under subparagraph (A) shall describe reasonable policies and procedures for use by a user of a consumer report—
(i)
to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and
(ii)
if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.
(Pub. L. 90–321, title VI, § 605, as added Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1129; amended Pub. L. 95–598, title III, § 312(b), Nov. 6, 1978, 92 Stat. 2676; Pub. L. 104–208, div. A, title II, § 2406(a)–(e)(1), Sept. 30, 1996, 110 Stat. 3009–434, 3009–435; Pub. L. 105–347, § 5, Nov. 2, 1998, 112 Stat. 3211; Pub. L. 108–159, title I, § 113, title II, § 212(d), title III, § 315, title IV, § 412(b), (c), title VIII, § 811(c)(1), (2)(A), Dec. 4, 2003, 117 Stat. 1959, 1977, 1996, 2002, 2011; Pub. L. 111–203, title X, § 1088(a)(2)(D), (5), July 21, 2010, 124 Stat. 2087; Pub. L. 115–174, title III, § 302(b)(2), May 24, 2018, 132 Stat. 1333.)
cite as: 15 USC 1681c