person that was used by the consumer 
reporting agency in the reinvestigation 
of the initial dispute; 
‘‘(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 
period described under subparagraph (A) (or 
the 10-day extension period, as applicable) the 
consumer reporting agency shall provide the 
consumer with written notice of the results of 
the appeal by postal 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; 
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‘‘(ii) a copy of all information relating 
to the consumer that was used as a basis 
for deciding the results of the appeal; 
‘‘(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 
applicable) of any person who provided in-
formation 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 com-
pleteness of information in the consumer’s 
file that was the subject of an appeal 
under this subsection by submitting a 
statement directly to each consumer re-
porting agency that received the informa-
tion; 
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‘‘(vi) a description of the consumer’s 
rights pursuant to subsection (d) (relating 
to furnishing notifications to certain users 
of consumer reports); and 
‘‘(vii) any other information, as deter-
mined by the Bureau. 
‘‘(E) NO EXCUSE FOR FAILURE TO CON-
DUCT APPEAL.—A consumer reporting agency 
may not refuse to conduct a review of an appeal 
under this subsection because the agency deter-
mines 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 con-
sumer reporting agency refuses to conduct a re-
view of the appeal for these reasons, it shall 
provide a clear and conspicuous written notice 
to the consumer explaining the reasons for the 
refusal and describing any information the con-
sumer is required to provide for the agency to 
conduct a review 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 
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amended by adding at the end the following new para-
graph: 
‘‘(10) DUTY OF FURNISHERS OF INFORMATION 
UPON NOTICE OF APPEAL OF INVESTIGATION.— 
‘‘(A) IN GENERAL.—Within 120 days of 
the date of receipt of the results of an inves-
tigation conducted under paragraph (8)(E), a 
consumer may, free of charge, appeal such re-
sults by submitting a notice of appeal to the 
person who provided the information in the dis-
pute to a consumer reporting agency (hereafter 
in this paragraph 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 estab-
lished by the furnisher, and— 
‘‘(i) shall identify the information con-
tained in the consumer’s file that is the 
subject of the appeal; 
‘‘(ii) shall describe the specific reasons 
for submitting the notice of appeal; and 
‘‘(iii) may include any information, in-
cluding substantiating documents, the con-
sumer believes is relevant to the appeal. 
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‘‘(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 
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 
appealing; 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 re-
view of the appeal will be conducted, and 
the specific 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 
RECEIPT
OF
NOTICE
OF
APPEAL.—Not later 
than 20 days after receiving a notice of appeal, 
the furnisher shall determine whether the item 
of information being disputed by the consumer 
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is inaccurate, 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 dis-
puted information, 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 instruc-
tions to the consumer reporting agency that the 
item of information being disputed by the con-
sumer should be deleted from the file of the 
consumer. 
‘‘(E) MINIMUM STANDARDS FOR APPEALS 
EMPLOYEES.—Upon receipt of a notice of ap-
peal under subparagraph (A), a furnisher shall 
designate 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 dis-
cuss the appeal with the specific individ-
uals 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; 
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‘‘(iii) shall meet minimum training 
and ongoing certification requirements at 
regular intervals, as established by the Bu-
reau; 
‘‘(iv) may not have been involved in 
an investigation conducted pursuant to 
paragraph (8); and 
‘‘(v) may not be subject to any re-
quirements linking incentives, including 
promotion, to the number of appeals proc-
essed within a certain time period. 
‘‘(F) REQUIREMENTS FOR APPEALS PROC-
ESS.—Such employees shall conduct a robust 
review of the appeal and make a determination 
regarding 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-
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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 
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 re-
lated to the appeal after the period of 3 busi-
ness days described in subparagraph (C)(i) and 
before the end of the 20-day period described in 
subparagraph (D), the furnisher shall have an 
additional 10 business days to complete the re-
view of the appeal. 
‘‘(H) NOTICE OF APPEAL RESULTS.—Not 
later than 5 days after the end of the 20-day 
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period described in subparagraph (D) (or the 
10 business day extension described under sub-
paragraph (G), as applicable) the furnisher 
shall provide the consumer with written notice 
of the results of the appeal by mail or, if re-
quested 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 re-
port (based upon the consumer’s file as 
that file was changed as a result of the ap-
peal) and a credit score or educational 
credit score (if applicable) from each con-
sumer reporting agency that had been fur-
nished incorrect information; 
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‘‘(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 
applicable), of any person who provided in-
formation 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 com-
pleteness of information in the consumer’s 
file that was the subject of an appeal 
under this paragraph by submitting a 
statement directly to each consumer re-
porting agency that received the informa-
tion; and 
‘‘(vi) a notification that the consumer 
may request the furnisher to submit to 
each consumer reporting agency the con-
sumer’s request to furnish notifications 
pursuant to section 611(d) (relating to fur-
nishing notifications to certain users of 
consumer reports).’’. 
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(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’’. 
(d) CONFORMING AMENDMENTS.—Section 609 of the 
Fair Credit Reporting Act (15 U.S.C. 1681g) is amend-
ed— 
(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 edu-
cational credit scores (as applicable) 
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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); 
(IV) by inserting after clause (iii) 
the following new clause: 
‘‘(iv) the right of a consumer to ap-
peal a determination of a reinvestigation 
conducted 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 section 605A through a consumer re-
porting agency described under section 
603(p).’’; 
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(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 de-
scribed under subsection (p) or (x) of section 
603 shall display in a clear and conspicuous 
manner, including on the Internet website of 
the consumer reporting agency, the summary of 
rights prepared by the Bureau under this para-
graph.’’; 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 sub-
section: 
‘‘(j) REQUIREMENT TO SEND REVISED CONSUMER 
REPORT TO CONSUMER.—Upon receiving a notice de-
scribed in section 623(a)(8)(E)(iv), each consumer report-
ing agency shall send to the consumer a revised consumer 
report and credit score or education credit score (if appli-
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furnished by a person to any consumer re-
porting agency pursuant to paragraph (3) 
or (8) of section 623(a); or 
‘‘(ii) a consumer submits a notice of 
appeal under section 623(a)(10). 
‘‘(2) OPT OUT.—A consumer may submit a re-
quest to a consumer reporting agency or a person 
who furnished the information in dispute, as applica-
ble, to have the notation described in paragraph (1) 
omitted from the consumer report. Upon receipt of 
such a request— 
‘‘(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.’’. 
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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 
report, a consumer reporting agency shall maintain 
reasonable procedures to ensure maximum possible 
accuracy and completeness of the information con-
cerning the individual to whom the consumer report 
relates. 
‘‘(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 in-
cluded in the consumer’s file with the per-
sonally identifiable information furnished 
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by the person who provided the informa-
tion to the consumer reporting agency 
(hereafter in this subsection referred to as 
the ‘furnisher’), including the full name of 
a consumer, the date of birth of a con-
sumer, the full social security number of a 
consumer, and any other information that 
the Bureau determines would aid in assur-
ing maximum possible accuracy and com-
pleteness of such consumer reports; 
‘‘(ii) establish processes for a con-
sumer reporting agency to monitor the in-
tegrity of the data provided by furnishers 
and the compliance of furnishers with the 
requirements 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 cir-
cumstances under which the consumer re-
porting 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 
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(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 avail-
able 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 
accurate and complete information, to take 
corrective action against such furnishers, 
and to reject information submitted by 
such furnishers; 
‘‘(vi) develop standards and proce-
dures for consumer reporting agencies to 
adopt regarding collection of public record 
data, including standards and procedures 
to consider the ultimate data source, how 
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the public record information is filed and 
its availability and accessibility, and wheth-
er information relating to the satisfaction 
of judgments or other updates to the pub-
lic 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 
Bureau to be necessary to assist consumer 
reporting agencies in achieving maximum 
possible accuracy and completeness of the 
information in consumer reports. 
‘‘(3) CORRECTIVE
ACTION
FOR
FURNISHERS 
THAT
REPEATEDLY
FURNISH
INACCURATE
OR
IN-
COMPLETE INFORMATION.—Upon identifying a fur-
nisher that repeatedly fails to furnish accurate, com-
plete, or verifiable information to consumer report-
ing 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-
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