consumer may request that such nota-
tion is removed by the agency; 
‘‘(v) if the investigation determines the 
disputed information is inaccurate, incom-
plete, or unverifiable, promptly notify each 
consumer reporting agency to which the 
person furnished such information in ac-
cordance with paragraph (2); and 
‘‘(vi) notify the consumer of the results 
of the investigation, in writing, in accord-
ance with subparagraph (H).’’. 
(d) ELIMINATING FURNISHERS’ AUTHORITY TO DIS-
MISS DISPUTES AS FRIVOLOUS OR IRRELEVANT.—Section 
623(a)(8) of such Act (15 U.S.C. 1681s–2(a)(8)) is amended 
by striking subparagraph (F) and redesignating subpara-
graph (G) as subparagraph (F). 
(e) ADDITIONAL DUTIES.—Section 623(a)(8) of such 
Act (15 U.S.C. 1681s–2(a)(8)) is further amended by add-
ing at the end the following new subparagraphs: 
‘‘(G) REASONABLE
STANDARDS
FOR
FUR-
NISHERS FOR CONDUCTING INVESTIGATIONS AND 
RESOLVING
DISPUTES
SUBMITTED
BY
CON-
SUMERS.—In any investigation conducted by a 
person who furnishes information to a consumer 
reporting agency of an item of information being 
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disputed by a consumer, the person, at a min-
imum— 
‘‘(i) shall maintain sufficient resources 
and trained staff, commensurate with the 
volume and complexity of disputes received 
or reasonably anticipated to be received, to 
conduct investigations; 
‘‘(ii) shall verify that the person has a 
record of the particular information being 
disputed, consistent with the requirements 
of subsection (f); 
‘‘(iii) shall verify that the personally 
identifiable information of the consumer 
submitting the dispute matches the person-
ally identifiable information contained on 
such records; 
‘‘(iv) shall conduct a reasonable review 
to determine whether the disputed informa-
tion is accurate, complete, and can be 
verified that considers all the information, 
including any substantiating documents, 
provided by the consumer about the dis-
puted information; 
‘‘(v) shall ensure that the investigation 
is an independent analysis that is separate 
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from any reinvestigation by a consumer re-
porting agency or a reseller conducted with 
respect to the disputed information; and 
‘‘(vi) may not impose any limitations 
or otherwise impede the ability of a con-
sumer to submit information, including any 
substantiating documents, about the dis-
puted information. 
‘‘(H) CONTENTS OF THE NOTICE TO THE 
CONSUMER ABOUT THE RESULTS OF THE INVES-
TIGATION BY THE FURNISHER.—The notice of the 
results of the investigation described in subpara-
graph (E) shall include— 
‘‘(i) a statement informing the con-
sumer as to whether the disputed informa-
tion was determined to be inaccurate, in-
complete, or unverifiable; 
‘‘(ii) a statement of the specific reasons 
supporting the results of the investigation; 
‘‘(iii) a description of the procedure 
used by the dispute resolution staff of the 
person who furnishes information to a con-
sumer reporting agency to determine the ac-
curacy or completeness of the information, 
including the business name, mailing ad-
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dress, telephone number, and Internet 
website address (if available) of any person 
who was contacted by the staff in connec-
tion with the determination; 
‘‘(iv) a copy of all information relating 
to the consumer that was used in carrying 
out the investigation and was the basis for 
any determination about the accuracy or 
completeness of the disputed information; 
‘‘(v) a statement that consumer will re-
ceive, free of charge, a copy of their con-
sumer report and credit score or edu-
cational credit score (if applicable), from 
any consumer reporting agency to which the 
disputed information had been provided, re-
gardless of whether the consumer obtained 
or will obtain a free consumer report and 
credit score or educational credit score (if 
applicable) in the 12-month period pre-
ceding receipt of the notice described in this 
subparagraph 
pursuant 
to 
section 
612(a)(1); 
‘‘(vi) if the disputed information was 
found to be inaccurate, incomplete, or un-
verifiable, a statement that the consumer re-
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port of the consumer shall be revised to re-
flect the change to the consumer’s file as a 
result of the investigation; 
‘‘(vii) a statement that the consumer 
has the right to appeal the results of the in-
vestigation under paragraph (10), free of 
charge, within 120 days after the date of the 
notice of the results of the investigation was 
provided to the consumer and the process 
for submitting an appeal; 
‘‘(viii) a statement that the consumer 
may add a narrative statement, free of 
charge, to the consumer’s file held by the 
consumer reporting agency to which the in-
formation has been furnished disputing the 
accuracy or completeness of the information, 
regardless of the results of the investigation 
by the person, and the process for contacting 
any agency that received the consumer’s in-
formation from the person to submit a nar-
rative statement; 
‘‘(ix) a statement informing the con-
sumer that a notation described in section 
605(e) will be added to the consumer’s file 
during the period in which the consumer 
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appeals the results of an investigation and 
that such notation can be removed at the re-
quest of the consumer; and 
‘‘(x) a statement that the consumer has 
the right to request a copy of their consumer 
report and credit score or educational credit 
score (if applicable), free of charge, within 
the 12-month period following the date of 
the conclusion of the investigation from any 
consumer reporting agency in which the 
disputed information had been provided, re-
gardless of whether the consumer obtained 
or will obtain a free annual consumer re-
port and credit score or educational credit 
score (if applicable) under this subpara-
graph or section 612(a)(1).’’. 
(f) CONFORMING AMENDMENT.—Section 615(a)(4)(B) 
is amended— 
(1) by striking ‘‘, under section 611, with a con-
sumer reporting agency’’; and 
(2) by striking ‘‘furnished by the agency’’ and 
inserting ‘‘to a consumer reporting agency under sec-
tion 611 or to a person who furnished information to 
an agency under section 623’’. 
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SEC. 105. RIGHT TO APPEAL DISPUTES RELATING TO RE-
INVESTIGATIONS AND INVESTIGATIONS. 
(a) APPEALS OF REINVESTIGATIONS CONDUCTED BY 
A CONSUMER REPORTING AGENCY.—Section 611 of the 
Fair Credit Reporting Act (15 U.S.C. 1681i) is amended— 
(1) in subsection (b), by inserting ‘‘or if the con-
sumer is unsatisfied with the results of an appeal 
conducted under subsection (h),’’ after ‘‘resolve the 
dispute,’’; and 
(2) by inserting after subsection (h) (as added by 
section 102) the following new subsection: 
‘‘(i) CONSUMER RIGHT TO APPEAL RESULTS OF A 
CONSUMER REPORTING AGENCY REINVESTIGATION.— 
‘‘(1) IN GENERAL.—Within 120 days after the 
date of receipt of the results of a reinvestigation con-
ducted under subsection (a), a consumer (or author-
ized third party) may, free of charge, appeal the re-
sults of such reinvestigation by submitting a notice of 
appeal to the consumer reporting agency. 
‘‘(2) NOTICE OF APPEAL.— 
‘‘(A) REQUIREMENTS.—A notice of appeal 
described in paragraph (1) may be submitted in 
writing, or through a toll-free telephone number 
or other electronic means established by the con-
sumer reporting agency (including on the Inter-
net website described in subsection (g)), and— 
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‘‘(i) shall identify the information con-
tained in the consumer’s file that is the sub-
ject of the appeal; 
‘‘(ii) shall describe the specific reasons 
for submitting the notice of appeal; and 
‘‘(iii) may provide any information 
the consumer believes is relevant to substan-
tiate the validity of the dispute. 
‘‘(B) CONSUMER
REPORTING
AGENCY
NO-
TICE TO CONSUMER.—Upon receipt of such no-
tice of appeal, the consumer reporting agency 
shall promptly provide to the consumer a state-
ment confirming the receipt of the consumer’s 
notice of appeal that shall include— 
‘‘(i) an approximate date on which the 
consumer’s appeal review will be completed; 
‘‘(ii) the process and procedures by 
which such review will be conducted; and 
‘‘(iii) an employee reference number or 
other employee identifier for each of the spe-
cific individuals designated by the consumer 
reporting agency who, upon the request of 
the consumer, may discuss the substance 
and status of the appeal. 
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‘‘(3) CONSUMER REPORTING AGENCY REQUIRE-
MENTS UPON RECEIPT OF NOTICE OF APPEAL.— 
‘‘(A) IN GENERAL.—Not later than 20 days 
after receiving a notice of appeal, the consumer 
reporting agency shall review the appeal. If the 
consumer reporting agency determines the infor-
mation is inaccurate, incomplete, or cannot be 
verified, the consumer reporting agency shall de-
lete or modify the item of information being dis-
puted by the consumer from the file of the con-
sumer before the end of the 20-day period begin-
ning on the date on which the consumer report-
ing agency receives a notice of an appeal from 
the consumer. 
‘‘(B) NOTICE OF APPEAL TO FURNISHER; 
INFORMATION REGARDING DISPUTE PROVIDED BY 
THE CONSUMER.— 
‘‘(i) IN GENERAL.—Before the end of 
the period of 3 business days beginning on 
the date on which a consumer reporting 
agency receives a notice of appeal, the con-
sumer reporting agency shall provide notice 
of the appeal, including all information re-
lating to the specific appeal that the con-
sumer reporting agency has received from 
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the consumer, to any person who provided 
any information in dispute. 
‘‘(ii) PROVISION
OF
ADDITIONAL
IN-
FORMATION REGARDING THE DISPUTE.—If 
the consumer reporting agency receives ad-
ditional information from the consumer 
after the agency provides the notice required 
under clause (i) and before the end of the 
20-day period described in subparagraph 
(A), the consumer reporting agency shall, 
not later than 3 business days after receiv-
ing such information, provide such informa-
tion to any person who provided the infor-
mation in dispute and shall have an addi-
tional 10 business days to complete the ap-
peal review. 
‘‘(C) MINIMUM
STANDARDS
FOR
APPEALS 
EMPLOYEES.— 
‘‘(i) DESIGNATION.—Upon receipt of a 
notice of appeal under paragraph (1), a 
consumer reporting agency shall designate 
one or more specific employees who— 
‘‘(I) shall be assigned an employee 
reference number or other employee 
identifier that can be used by the con-
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sumer to discuss the appeal with the 
specific individuals handling the ap-
peal; 
‘‘(II) shall have direct authority 
to resolve the dispute that is the subject 
of the notice of appeal from the review 
stage to its completion; 
‘‘(III) shall meet minimum train-
ing and ongoing certification require-
ments at regular intervals, as estab-
lished by the Bureau; 
‘‘(IV) shall be located within the 
United States; 
‘‘(V) may not have been involved 
in the reinvestigation conducted or ter-
minated pursuant to subsection (a); 
and 
‘‘(VI) may not be subject to any 
requirements linking incentives, in-
cluding promotion, to the number of 
appeals processed within a certain 
time period. 
‘‘(ii) REQUIREMENTS.—Such employ-
ees shall conduct a robust review of the ap-
peal and make a determination regarding 
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the accuracy and completeness of the dis-
puted information by— 
‘‘(I) conducting an independent 
analysis, separate from any investiga-
tion by a reseller or person who pro-
vided the disputed information, and 
separate from any prior reinvestiga-
tion conducted by the consumer report-
ing agency of the disputed informa-
tion; 
‘‘(II) verifying that the personally 
identifiable information of the con-
sumer submitting the dispute matches 
the personally identifiable information 
contained on the consumer’s file; 
‘‘(III) analyzing the notice of ap-
peal and all information, including 
any substantiating documents, pro-
vided by the consumer with the notice 
of appeal; 
‘‘(IV) evaluating the validity of 
any information submitted by any per-
son that was used by the consumer re-
porting agency in the reinvestigation 
of the initial dispute; 
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‘‘(V) verifying that the consumer 
reporting agency has a record of the 
information being disputed; and 
‘‘(VI) applying any additional 
factors or investigative processes, as 
specified by the Bureau. 
‘‘(D) NOTICE
OF
APPEAL
RESULTS.—Not 
later than 5 days after the end of the 20-day pe-
riod described under subparagraph (A) (or the 
10-day extension period, as applicable) the con-
sumer reporting agency shall provide the con-
sumer with written notice of the results of the 
appeal by postal mail or, if requested by the con-
sumer, by other means. The contents of such no-
tice shall include— 
‘‘(i) a statement that the appeal is 
completed and the date on which it was 
completed, the results of the appeal, and the 
specific reasons supporting the results of the 
appeal; 
‘‘(ii) a copy of all information relating 
to the consumer that was used as a basis for 
deciding the results of the appeal; 
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‘‘(iii) a consumer report that is based 
upon the consumer’s file as that file may 
have been revised as a result of the appeal; 
‘‘(iv) a description of the procedure 
used to determine the accuracy and com-
pleteness of the information, including the 
business name, telephone number, mailing 
address, and Internet website address (if ap-
plicable) of any person who provided infor-
mation that was contacted in connection 
with such information, if reasonably avail-
able; 
‘‘(v) information describing that the 
consumer may submit a statement, without 
charge, disputing the accuracy or complete-
ness of information in the consumer’s file 
that was the subject of an appeal under this 
subsection by submitting a statement di-
rectly to each consumer reporting agency 
that received the information; 
‘‘(vi) a description of the consumer’s 
rights pursuant to subsection (d) (relating 
to furnishing notifications to certain users 
of consumer reports); and 
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‘‘(vii) any other information, as deter-
mined by the Bureau. 
‘‘(E) NO EXCUSE FOR FAILURE TO CONDUCT 
APPEAL.—A consumer reporting agency may not 
refuse to conduct a review of an appeal under 
this subsection because the agency determines 
that the notice of appeal was submitted by an 
authorized third party, unless the agency has 
clear and convincing evidence that the third 
party is not authorized to submit the notice of 
appeal on the consumer’s behalf. If the consumer 
reporting agency refuses to conduct a review of 
the appeal for these reasons, it shall provide a 
clear and conspicuous written notice to the con-
sumer explaining the reasons for the refusal and 
describing any information the consumer is re-
quired to provide for the agency to conduct a re-
view of the appeal.’’. 
(b) APPEALS
OF INVESTIGATIONS CONDUCTED
BY 
FURNISHERS OF INFORMATION.—Section 623(a) of the Fair 
Credit Reporting Act (15 U.S.C. 1681s–2(a)) is amended 
by adding at the end the following new paragraph: 
‘‘(10) DUTY OF FURNISHERS OF INFORMATION 
UPON NOTICE OF APPEAL OF INVESTIGATION.— 
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‘‘(A) IN GENERAL.—Within 120 days of the 
date of receipt of the results of an investigation 
conducted under paragraph (8)(E), a consumer 
may, free of charge, appeal such results by sub-
mitting a notice of appeal to the person who pro-
vided the information in the dispute to a con-
sumer reporting agency (hereafter in this para-
graph referred to as the ‘furnisher’). 
‘‘(B) NOTICE OF APPEAL.—A notice of ap-
peal described in subparagraph (A) may be sub-
mitted in writing, through a toll-free telephone 
number, or by other electronic means established 
by the furnisher, and— 
‘‘(i) shall identify the information con-
tained in the consumer’s file that is the sub-
ject of the appeal; 
‘‘(ii) shall describe the specific reasons 
for submitting the notice of appeal; and 
‘‘(iii) may include any information, 
including substantiating documents, the 
consumer believes is relevant to the appeal. 
‘‘(C) FURNISHER
ACTIONS.—Upon receipt 
of such notice of appeal, the furnisher shall— 
‘‘(i) before the end of the period of 3 
business days beginning on the date on 
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which the furnisher receives the notice of 
appeal, notify each consumer reporting 
agency to which the person furnished such 
information a statement identifying the 
items of information that a consumer is ap-
pealing; and 
‘‘(ii) notify the consumer confirming 
the receipt of the consumer’s notice of ap-
peal, including an approximate date when 
the consumer’s appeal will be completed, the 
process and procedures by which a review of 
the appeal will be conducted, and the spe-
cific individual designated by the consumer 
reporting agency who, upon the request of 
the consumer, may discuss the substance 
and status of the appeal. 
‘‘(D) FURNISHER REQUIREMENTS UPON RE-
CEIPT OF NOTICE OF APPEAL.—Not later than 20 
days after receiving a notice of appeal, the fur-
nisher shall determine whether the item of infor-
mation being disputed by the consumer is inac-
curate, incomplete, or cannot be verified, and 
shall notify the consumer reporting agency of the 
determination. If the furnisher cannot verify the 
accuracy or completeness of the disputed infor-
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mation, the furnisher shall, before the end of the 
20-day period beginning on the date on which 
the furnisher receives notice of an appeal from 
the consumer, submit instructions to the con-
sumer reporting agency that the item of informa-
tion being disputed by the consumer should be 
deleted from the file of the consumer. 
‘‘(E) MINIMUM
STANDARDS
FOR
APPEALS 
EMPLOYEES.—Upon receipt of a notice of appeal 
under subparagraph (A), a furnisher shall des-
ignate one or more specific employees who— 
‘‘(i) shall be assigned an employee ref-
erence number or other employee identifier 
that can be used by the consumer to discuss 
the appeal with the specific individuals 
handling the appeal; 
‘‘(ii) shall have direct authority to re-
solve the dispute that is the subject of the 
notice of appeal on behalf of the furnisher 
from the review stage to its completion; 
‘‘(iii) shall meet minimum training 
and ongoing certification requirements at 
regular intervals, as established by the Bu-
reau; 
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‘‘(iv) may not have been involved in an 
investigation conducted pursuant to para-
graph (8); and 
‘‘(v) may not be subject to any require-
ments linking incentives, including pro-
motion, to the number of appeals processed 
within a certain time period. 
‘‘(F) REQUIREMENTS FOR APPEALS PROC-
ESS.—Such employees shall conduct a robust re-
view of the appeal and make a determination re-
garding the accuracy and completeness of the 
disputed information by— 
‘‘(i) conducting an independent anal-
ysis, separate from any reinvestigation by a 
reseller or consumer reporting agency, of the 
disputed information; 
‘‘(ii) verifying that the personally 
identifiable information related to the dis-
pute is accurate and complete; 
‘‘(iii) analyzing the notice of appeal 
and all information, including substan-
tiating documents, provided by the con-
sumer with the notice of appeal; 
‘‘(iv) evaluating the validity of any in-
formation submitted by any person that 
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was used by the furnisher in the initial in-
vestigation into the dispute; 
‘‘(v) verifying that the information 
being disputed relates to the consumer in 
whose file the information is located; 
‘‘(vi) verifying that the furnisher has a 
record of the information being disputed; 
and 
‘‘(vii) applying any additional factors 
or investigative processes, as specified by the 
Bureau. 
‘‘(G) EXTENSION OF REVIEW PERIOD.—If a 
consumer submits additional information related 
to the appeal after the period of 3 business days 
described in subparagraph (C)(i) and before the 
end of the 20-day period described in subpara-
graph (D), the furnisher shall have an additional 
10 business days to complete the review of the 
appeal. 
‘‘(H) NOTICE
OF
APPEAL
RESULTS.—Not 
later than 5 days after the end of the 20-day pe-
riod described in subparagraph (D) (or the 10 
business day extension described under subpara-
graph (G), as applicable) the furnisher shall pro-
vide the consumer with written notice of the re-
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sults of the appeal by mail or, if requested by the 
consumer, by other means. The contents of such 
notice shall include— 
‘‘(i) a statement that the appeal is 
completed and the date on which it was 
completed, the results of the appeal, and the 
specific reasons supporting the results of the 
appeal; 
‘‘(ii) a copy of all information relating 
to the consumer that was used as a basis for 
deciding the results of the appeal; 
‘‘(iii) if the appeal results in any 
change to the consumer report, a notifica-
tion that the consumer shall receive a copy, 
free of charge, of a revised consumer report 
(based upon the consumer’s file as that file 
was changed as a result of the appeal) and 
a credit score or educational credit score (if 
applicable) from each consumer reporting 
agency that had been furnished incorrect in-
formation; 
‘‘(iv) a description of the procedure 
used to determine the accuracy and com-
pleteness of the information, including the 
business name, telephone number, mailing 
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address, and Internet website address (if ap-
plicable), of any person who provided infor-
mation that was contacted in connection 
with such information, if reasonably avail-
able; 
‘‘(v) information describing that the 
consumer may submit a statement, without 
charge, disputing the accuracy or complete-
ness of information in the consumer’s file 
that was the subject of an appeal under this 
paragraph by submitting a statement di-
rectly to each consumer reporting agency 
that received the information; and 
‘‘(vi) a notification that the consumer 
may request the furnisher to submit to each 
consumer reporting agency the consumer’s 
request to furnish notifications pursuant to 
section 611(d) (relating to furnishing notifi-
cations to certain users of consumer re-
ports).’’. 
(c) TECHNICAL AMENDMENT.—Section 623(a)(8)(A) of 
the Fair Credit Reporting Act (15 U.S.C. 1681s– 
2(a)(8)(A)) is amended by striking ‘‘reinvestigate’’ and in-
serting ‘‘investigate’’. 
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(d) CONFORMING AMENDMENTS.—Section 609 of the 
Fair Credit Reporting Act (15 U.S.C. 1681g) is amended— 
(1) in subsection (c)— 
(A) by striking ‘‘Commission’’ and insert-
ing ‘‘Bureau’’ each place that term appears; 
(B) in the subsection heading, by striking 
‘‘RIGHTS TO OBTAIN AND DISPUTE INFORMA-
TION IN CONSUMER REPORTS AND TO OBTAIN 
CREDIT SCORES’’ and inserting ‘‘KEY CON-
SUMER REPORTING RIGHTS’’; and 
(C) in paragraph (1)— 
(i) in the heading, by striking ‘‘COM-
MISSION’’ and inserting ‘‘BUREAU’’; 
(ii) in subparagraph (B)— 
(I) in clause (ii), by striking ‘‘a 
consumer report without charge under 
section 612’’ and inserting ‘‘consumer 
reports and credit scores or educational 
credit scores (as applicable) without 
charge under subsections (f), (g), (i), or 
(j) or section 612’’; 
(II) in clause (iii), by inserting 
‘‘or section 623’’ after ‘‘section 611’’; 
(III) by striking clauses (iv) and 
(vi); 
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(IV) by inserting after clause (iii) 
the following new clause: 
‘‘(iv) the right of a consumer to appeal 
a determination of a reinvestigation con-
ducted by a consumer reporting agency 
under section 611(h) or an investigation 
conducted by a furnisher of information 
under section 623(a)(10);’’; and 
(V) by adding at the end the fol-
lowing new clause: 
‘‘(vi) the method and circumstances 
under which consumers can obtain a 1-year 
fraud alert, 7-year fraud alert, active duty 
alert, or security freeze as described in sec-
tion 605A through a consumer reporting 
agency described under section 603(p).’’; 
(iii) in subparagraph (C) (as amended 
by subparagraph (A)) by inserting ‘‘and the 
Commission’’ after ‘‘Bureau’’; and 
(iv) by adding at the end the following 
new subparagraph: 
‘‘(D) PUBLICATION OF SUMMARY RIGHTS.— 
A consumer reporting agency described under 
subsection (p) or (x) of section 603 shall display 
in a clear and conspicuous manner, including on 
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the Internet website of the consumer reporting 
agency, the summary of rights prepared by the 
Bureau under this paragraph.’’; and 
(2) in subsection (d), by inserting ‘‘Bureau and 
the’’ before ‘‘Commission’’. 
SEC. 106. REVISED CONSUMER REPORTS. 
Section 611 of the Fair Credit Reporting Act (15 
U.S.C. 1681i), as amended by section 105(a)(2), is further 
amended by adding at the end the following new subsection: 
‘‘(j) REQUIREMENT TO SEND REVISED CONSUMER 
REPORT TO CONSUMER.—Upon receiving a notice described 
in section 623(a)(8)(E)(iv), each consumer reporting agen-
cy shall send to the consumer a revised consumer report 
and credit score or education credit score (if applicable) 
based upon the consumer’s file as that file was changed as 
a result of the investigation.’’. 
SEC. 107. INDICATION OF DISPUTE BY CONSUMERS AND 
USE OF DISPUTED INFORMATION. 
Section 605(f) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(f)) is amended to read as follows: 
‘‘(f) INDICATION OF DISPUTE.— 
‘‘(1) IN GENERAL.—A consumer reporting agen-
cy shall include in any consumer report based on the 
consumer’s file a notation identifying any item of in-
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from the consumer report. Upon receipt of such a re-
quest— 
‘‘(A) by a consumer reporting agency, such 
agency shall remove the notation within 1 busi-
ness day; and 
‘‘(B) by a person who furnished the infor-
mation in dispute, such person shall submit such 
request to each consumer reporting agency to 
which the person furnished such information 
within 1 business day and such agency shall re-
move the notation within 1 business day of re-
ceipt of such request.’’. 
SEC. 108. ACCURACY AND COMPLETENESS REPORT DUTIES 
FOR CONSUMER REPORTING AGENCIES AND 
FURNISHERS. 
Section 607(b) of the Fair Credit Reporting Act (15 
U.S.C. 1681e) is amended to read as follows: 
‘‘(b) ACCURACY AND COMPLETENESS OF REPORT.— 
‘‘(1) IN GENERAL.—In preparing a consumer re-
port, a consumer reporting agency shall maintain 
reasonable procedures to ensure maximum possible ac-
curacy and completeness of the information con-
cerning the individual to whom the consumer report 
relates. 
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‘‘(2) BUREAU RULE TO ASSURE MAXIMUM POS-
SIBLE ACCURACY AND COMPLETENESS WITH CREDIT 
REPORTING PRACTICES.— 
‘‘(A) RULE.—Not later than 18 months 
after the date of enactment of this subsection, the 
Bureau shall issue a final rule establishing the 
procedures described in paragraph (1). 
‘‘(B) REQUIREMENTS.—In formulating the 
rule required under subparagraph (A), the Bu-
reau shall— 
‘‘(i) develop standards for matching the 
personally identifiable information included 
in the consumer’s file with the personally 
identifiable information furnished by the 
person who provided the information to the 
consumer reporting agency (hereafter in this 
subsection referred to as the ‘furnisher’), in-
cluding the full name of a consumer, the 
date of birth of a consumer, the full social 
security number of a consumer, and any 
other information that the Bureau deter-
mines would aid in assuring maximum 
possible accuracy and completeness of such 
consumer reports; 
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‘‘(ii) establish processes for a consumer 
reporting agency to monitor the integrity of 
the data provided by furnishers and the 
compliance of furnishers with the require-
ments of this title; 
‘‘(iii) establish processes for a con-
sumer reporting agency to regularly rec-
oncile data relating to accounts in collec-
tion, including those that have not been 
paid in full, by specifying the circumstances 
under which the consumer reporting agency 
shall remove or suppress negative or adverse 
information from a consumer’s file that has 
not been updated by a furnisher who is also 
a debt collector (as defined in section 803 of 
the Fair Debt Collection Practices Act) 
within the time period established by the 
Bureau; 
‘‘(iv) establish procedures to require 
each consumer reporting agency to review 
and monitor the quality of information re-
ceived from any source, including informa-
tion from public records, by regularly and 
on an ongoing basis comparing the infor-
mation received to the information available 
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from the original source and ensuring that 
the information received is the most current 
information; 
‘‘(v) develop standards and procedures 
for consumer reporting agencies to identify 
furnishers that repeatedly fail to provide ac-
curate and complete information, to take 
corrective action against such furnishers, 
and to reject information submitted by such 
furnishers; 
‘‘(vi) develop standards and procedures 
for consumer reporting agencies to adopt re-
garding collection of public record data, in-
cluding standards and procedures to con-
sider the ultimate data source, how the pub-
lic record information is filed and its avail-
ability and accessibility, and whether infor-
mation relating to the satisfaction of judg-
ments or other updates to the public record 
are available on a reasonably timely basis 
from a particular source; and 
‘‘(vii) establish any other factors, pro-
cedures, or processes determined by the Bu-
reau to be necessary to assist consumer re-
porting agencies in achieving maximum 
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possible accuracy and completeness of the 
information in consumer reports. 
‘‘(3) CORRECTIVE
ACTION
FOR
FURNISHERS 
THAT REPEATEDLY FURNISH INACCURATE OR INCOM-
PLETE INFORMATION.—Upon identifying a furnisher 
that repeatedly fails to furnish accurate, complete, or 
verifiable information to consumer reporting agencies, 
the Bureau shall— 
‘‘(A) ensure the prompt removal of any ad-
verse information relating to a consumer’s ac-
counts submitted by such furnisher; and 
‘‘(B) take corrective action, which may in-
clude— 
‘‘(i) mandatory revised training and 
training materials for the staff of the fur-
nisher regarding the furnishing of accurate 
and complete information; 
‘‘(ii) sharing industry best practices 
and procedures regarding accuracy and 
completeness; or 
‘‘(iii) temporarily prohibiting a fur-
nisher from providing information to a con-
sumer reporting agency.’’. 
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SEC. 109. INCLUSION OF PUBLIC RECORD DATA SOURCES 
IN CONSUMER REPORTS. 
Section 605(d) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(d)) is amended by adding at the end the fol-
lowing: 
‘‘(3) PUBLIC RECORD DATA SOURCE.—Any con-
sumer reporting agency that furnishes a consumer re-
port that contains public record data shall also in-
clude in such report the source from which that data 
was obtained, including the particular court, if any, 
and the date that the data was initially reported or 
publicized.’’. 
SEC. 110. INJUNCTIVE RELIEF FOR VICTIMS. 
(a) IN GENERAL.—The Fair Credit Reporting Act (15 
U.S.C. 1681 et seq.) is amended— 
(1) in section 616— 
(A) in subsection (a), by amending the sub-
section heading to read as follows: ‘‘DAMAGES’’; 
(B) by redesignating subsections (c) and (d) 
as subsections (d) and (e), respectively; and 
(C) by inserting after subsection (b) the fol-
lowing new subsection: 
‘‘(c) INJUNCTIVE RELIEF.—In addition to any other 
remedy set forth in this section, a court may award injunc-
tive relief to require compliance with the requirements im-
posed under this title with respect to any consumer. In the 
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event of any successful action for injunctive relief under this 
subsection, the court may award to the prevailing party 
costs and reasonable attorney fees (as determined by the 
court) incurred during the action by such party.’’; and 
(2) in section 617— 
(A) in subsection (a), by amending the sub-
section heading to read as follows: ‘‘DAMAGES’’; 
(B) by redesignating subsection (b) as sub-
section (c); and 
(C) by inserting after subsection (a) the fol-
lowing new subsection: 
‘‘(b) INJUNCTIVE RELIEF.—In addition to any other 
remedy set forth in this section, a court may award injunc-
tive relief to require compliance with the requirements im-
posed under this title with respect to any consumer. In the 
event of any successful action for injunctive relief under this 
subsection, the court may award to the prevailing party 
costs and reasonable attorney fees (as determined by the 
court) incurred during the action by such party.’’. 
(b) ENFORCEMENT
BY FEDERAL TRADE COMMIS-
SION.—Section 621(a)(2)(A) of the Fair Credit Reporting 
Act (15 U.S.C. 1681s(a)(2)(A)) is amended— 
(1) by amending the subparagraph heading to 
read as follows: ‘‘NEGLIGENT, WILLFUL, OR KNOWING 
VIOLATIONS’’; and 
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(2) by inserting ‘‘negligent, willful, or’’ before 
‘‘knowing’’. 
TITLE II—PROHIBITION ON MIS-
LEADING AND UNFAIR CON-
SUMER 
REPORTING 
PRAC-
TICES 
SEC. 201. PROHIBITION ON AUTOMATIC RENEWALS FOR 
PROMOTIONAL CONSUMER REPORTING AND 
CREDIT SCORING PRODUCTS AND SERVICES. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) 
is amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 630. Promotional periods 
‘‘(a) TERMINATION NOTICE.—With respect to any 
product or service related to a consumer report or a credit 
score that is provided to a consumer under promotional 
terms, the seller or provider of such product or service shall 
provide clear and conspicuous notice to the consumer with-
in a reasonable period of time before the promotional period 
ends. 
‘‘(b) OPT-IN.—With respect to any such product or 
service, the seller or provider may not continue to sell or 
provide such product or service to the consumer after the 
end of the promotional period unless the consumer specifi-
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cally agrees at the end of the promotional period to continue 
receiving the product or service.’’; and 
(2) in the table of contents for such Act, by in-
serting after the item relating to section 629 the fol-
lowing new item: 
‘‘630. Promotional periods.’’. 
SEC. 202. PROHIBITION ON MISLEADING AND DECEPTIVE 
MARKETING RELATED TO THE PROVISION OF 
CONSUMER REPORTING AND CREDIT SCOR-
ING PRODUCTS AND SERVICES. 
Section 609 of the Fair Credit Reporting Act (15 
U.S.C. 1681g) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1)— 
(i) by striking ‘‘request, except’’ and 
all that follows through ‘‘consumer to 
whom’’ and inserting ‘‘request, unless the 
consumer to whom’’; 
(ii) by striking ‘‘disclosure; and’’ and 
inserting ‘‘disclosure.’’; and 
(iii) by striking subparagraph (B); 
and 
(B) in paragraph (6), by inserting ‘‘or edu-
cational credit score (if applicable) under sub-
section (f) or section 612’’ before the period at 
the end; and 
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(2) by adding at the end the following new sub-
section: 
‘‘(h) DISCLOSURES ON PRODUCTS AND SERVICES.— 
The Bureau, in consultation with the Federal Trade Com-
mission, shall issue regulations within 18 months of the 
date of the enactment of this subsection requiring each con-
sumer reporting agency and reseller to clearly and con-
spicuously disclose all material terms and conditions, in-
cluding any fee and pricing information associated with 
any products or services offered, advertised, marketed, or 
sold to consumers by the agency or reseller. Such disclosures 
shall be made in all forms of communication to consumers 
and displayed prominently on the agency or reseller’s 
website and all other locations where products or services 
are offered, advertised, marketed, or sold to consumers.’’. 
SEC. 203. PROHIBITON ON EXCESSIVE DIRECT-TO-CON-
SUMER SALES. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 201, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 631. Fair and reasonable fees for products and 
services 
‘‘The Bureau may, with respect to any product or serv-
ice offered by a consumer reporting agency to a consumer, 
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set a fair and reasonable maximum fee that may be charged 
for such product or service, except where such maximum 
fee is otherwise provided under this title.’’; and 
(2) in the table of contents for such Act, as 
amended by section 201, by adding at the end the fol-
lowing new item: 
‘‘631. Fair and reasonable fees for products and services.’’. 
SEC. 204. FAIR ACCESS TO CONSUMER REPORTING AND 
CREDIT SCORING DISCLOSURES FOR NON-
NATIVE ENGLISH SPEAKERS AND THE VIS-
UALLY AND HEARING IMPAIRED. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 203, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 632. Fair access to information for nonnative 
English speakers and the visually and 
hearing impaired 
‘‘(a) IN GENERAL.—Not later than 180 days after the 
date of the enactment of this section, the Bureau shall issue 
a rule to require consumer reporting agencies and persons 
who furnish information to consumer reporting agencies 
under this title, to the maximum extent reasonably prac-
ticable— 
‘‘(1) to provide any information, disclosures, or 
other communication with consumers— 
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‘‘(A) in each of the 10 most commonly spo-
ken languages, other than English, in the United 
States, as determined by the Bureau of the Cen-
sus on an ongoing basis; and 
‘‘(B) in formats accessible to individuals 
with hearing or vision impairments; and 
‘‘(2) to ensure that— 
‘‘(A) customer service representatives, in-
cluding employees assigned to handle disputes or 
appeals under sections 611 and 623, who are 
available to assist consumers are highly familiar 
with the requirements of this title; 
‘‘(B) such representatives are available dur-
ing regular business hours and outside of regular 
business hours, including evenings and weekends; 
and 
‘‘(C) at least one among such representa-
tives is fluent in each of the 10 most commonly 
spoken languages, other than English, in the 
United States, as determined by the Bureau of 
the Census on an ongoing basis. 
‘‘(b) BUREAU CONSULTATION.—The Bureau shall con-
sult with advocates for civil rights, consumer groups, com-
munity groups, and organizations that serve traditionally 
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