‘‘(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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‘‘(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 clauses: 
‘‘(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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cable) 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 
agency shall include in any consumer report based 
on the consumer’s file a notation identifying any 
item of information that is currently in dispute by 
the consumer if— 
‘‘(A) a consumer disputes the completeness 
or accuracy of any item of information con-
tained in a consumer’s file pursuant to section 
611(a)(1); 
‘‘(B) a consumer files with a consumer re-
porting agency an appeal of a reinvestigation 
pursuant to section 611(i); or 
‘‘(C) the consumer reporting agency is no-
tified by a person that furnished any items of 
information that are currently in dispute by the 
consumer that— 
‘‘(i) a consumer disputes the com-
pleteness or accuracy of any information 
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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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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 
consumer reporting agency.’’. 
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 
following: 
‘‘(3) PUBLIC RECORD DATA SOURCE.—Any con-
sumer reporting agency that furnishes a consumer 
report 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— 
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(A) in subsection (a), by amending the 
subsection heading to read as follows: ‘‘DAM-
AGES’’; 
(B) by redesignating subsections (c) and 
(d) as subsections (d) and (e), respectively; and 
(C) by inserting after subsection (b) the 
following 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 event of any successful action for injunctive relief 
under this subsection, the court may award to the pre-
vailing party costs and reasonable attorney fees (as deter-
mined by the court) incurred during the action by such 
party.’’; and 
(2) in section 617— 
(A) in subsection (a), by amending the 
subsection heading to read as follows: ‘‘DAM-
AGES’’; 
(B) by redesignating subsection (b) as sub-
section (c); and 
(C) by inserting after subsection (a) the 
following new subsection: 
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‘‘(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 pre-
vailing party costs and reasonable attorney fees (as deter-
mined 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 KNOW-
ING VIOLATIONS’’; and 
(2) by inserting ‘‘negligent, willful, or’’ before 
‘‘knowing’’. 
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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 
within 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-
cally agrees at the end of the promotional period to con-
tinue receiving the product or service.’’; and 
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(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 
(2) by adding at the end the following new sub-
section: 
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‘‘(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 
consumer 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 disclo-
sures shall be made in all forms of communication to con-
sumers and displayed prominently on the agency or re-
seller’s website and all other locations where products or 
services are offered, advertised, marketed, or sold to con-
sumers.’’. 
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 
service offered by a consumer reporting agency to a con-
sumer, set a fair and reasonable maximum fee that may 
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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 
following 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 reason-
ably practicable— 
‘‘(1) to provide any information, disclosures, or 
other communication with consumers— 
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03:31 Jul 10, 2019
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