(a) In general.
(1) A consumer reporting agency shall require,
as a condition of making the disclosures required under section 609,
that the consumer furnish proper identification.
(2) Except as provided in subsection (b),
the disclosures required to be made under section 609 shall be provided
under that section in writing.
(b) Other forms of disclosure.
(1) If authorized by a consumer, a consumer
reporting agency may make the disclosures required under 609—
(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) A consumer
may specify pursuant to paragraph (1) that disclosures under section
609 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) Any consumer reporting
agency shall provide trained personnel to explain to the consumer
any information furnished to him pursuant to section 609.
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(d) 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) Except as provided in sections 616 and 617, 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,
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.
[15 USC 1681h. As amended by act of Sept. 30, 1996 (110 Stat. 3009-438,
439).]
