Source: https://www.law.cornell.edu/uscode/text/15/1681c%E2%80%931
Timestamp: 2018-06-24 17:14:05
Document Index: 602695563

Matched Legal Cases: ['§ 1681', '§ 1681', '§\u202f1681', '§\u202f605', '§\u202f112', '§\u202f1088', 'art 641', 'art 1022']

15 U.S. Code § 1681c-1 - Identity theft prevention; fraud alerts and active duty alerts | US Law | LII / Legal Information Institute
15 U.S. Code § 1681c-1 - Identity theft prevention; fraud alerts and active duty alerts
§ 1681c–1.
(1) Initial alertsUpon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a(p) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall—
refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a(p) of this title, in accordance with procedures developed under section 1681s(f) of this title.
(2) Access to free reportsIn any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall—
disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j(d) of this title; and
(1) In generalUpon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a(p) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall—
refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a(p) of this title, in accordance with procedures developed under section 1681s(f) of this title.
disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 1681j(d) of this title during the 12-month period beginning on the date on which the fraud alert was included in the file; and
(c) Active duty alertsUpon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 1681a(p) of this title that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall—
refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 1681a(p) of this title, in accordance with procedures developed under section 1681s(f) of this title.
(e) Referrals of alertsEach consumer reporting agency described in section 1681a(p) of this title that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under—
paragraphs (1)(A) and (2) of subsection (a), in the case of a referral under subsection (a)(1)(B);
paragraphs (1)(A), (1)(B), and (2) of subsection (b), in the case of a referral under subsection (b)(1)(C); and
paragraphs (1) and (2) of subsection (c), in the case of a referral under subsection (c)(3).
(A) NotificationEach extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with—
notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause (i), other than under an open-end credit plan (as defined in section 1602(i) 1 of this title), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph (B); and
(Pub. L. 90–321, title VI, § 605A, as added Pub. L. 108–159, title I, § 112(a), Dec. 4, 2003, 117 Stat. 1955; amended Pub. L. 111–203, title X, § 1088(a)(2)(C), July 21, 2010, 124 Stat. 2087.)
16 CFR Part 641 - DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES
16 CFR Part 1022