10 (1) Every person shall, where requested by a consumer in writing or personally, inform the consumer whether or not a consumer report respecting him or her has been or is to be referred to in connection with any specified transaction or matter in which such person is engaged, and, if so, of the name and address of the consumer reporting agency supplying the report.  R.S.O. 1990, c. C.33, s. 10 (1). Notice of intention to get consumer report (2) No person shall request or obtain a consumer report, (a)  containing personal information about a consumer; or (b)  on the basis that the person is considering extending credit to a consumer who has not, at the time of the request, made application for credit, unless that person first gives written notice of the fact to the consumer and, where the consumer so requests, informs the consumer of the name and address of the consumer reporting agency supplying the report.  R.S.O. 1990, c. C.33, s. 10 (2). Idem (3) Where a person proposes to extend credit to a consumer and a consumer report containing credit information only is being or may be referred to in connection with the transaction, the person shall give notice of the fact to the consumer in writing at the time of the application for credit, or if the application is made orally, orally at the time of the application for credit.  R.S.O. 1990, c. C.33, s. 10 (3). Assignee as creditor (4) Where, before extending credit, the proposed creditor obtains the acceptance or refusal of an assignment or proposed assignment of the credit transaction by an assignee or proposed assignee, subsection (3) applies to the assignee or proposed assignee in the same manner as to the person proposing to extend credit, but the giving of a notice under subsection (3) by a person proposing to extend credit or under this subsection by the person’s assignee or proposed assignee shall be deemed to be sufficient notice by both.  R.S.O. 1990, c. C.33, s. 10 (4). Limitation on divulgence of information (5) No person extending credit to a consumer shall divulge to other credit grantors or to a consumer reporting agency any personal information respecting the consumer except with the consent of the consumer or on the consumer’s referral unless the person notifies the consumer in writing at the time of the application for credit that the person intends to do so.  R.S.O. 1990, c. C.33, s. 10 (5). Form of notice (6) Any notice referred to in this section shall be clearly set forth in bold type or underlined and in letters not less than ten point in size.  R.S.O. 1990, c. C.33, s. 10 (6). Adverse action (7) Where a benefit is denied to a consumer or a charge to a consumer is increased either wholly or partly because of information received from a consumer reporting agency or a person other than a consumer reporting agency, the user of such information shall deliver to the consumer at the time such action is communicated to the consumer notice of the fact and, upon the request of the consumer made within sixty days after such notice, shall inform the consumer, (a)  of the nature and source of the information where the information is furnished by a person other than a consumer reporting agency; or (b)  of the name and address of the consumer reporting agency, where the information is furnished by a consumer reporting agency, and the notice required to be given by the user under this subsection shall contain notice of the consumer’s right to request the information referred to in clauses (a) and (b) and the time limited therefor.  R.S.O. 1990, c. C.33, s. 10 (7).