If notified before any charges are made there is no liability to the cardholder. If credit is denied the creditor must provide a written statement with reasons. The creditor must notify the debtor of the result of their investigation into the matter within 90 days or two billing cycles whichever is less. If challenged the agency must investigate. Obsolete information must be removed bankruptcies over 14 years old any other information over 7 years old.
Violation can result in actual damages, court costs, and attorney's fees.
Generator - one who deposited the waste. Transporter to waste site. Owner of the site at the time of disposal. Current owner and operator of the site. Law can be applied retroactively.