reglab/housing_qa huggingface dataset:
MT Code § 31-3-111 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-111. Permissible purposes of reports

  31-3-111. Permissible purposes of reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other:   (1) in response to the order of a court having jurisdiction to issue such an order;   (2) in accordance with the written instructions of the consumer to whom it relates;   (3) to a person which it has reason to believe:   (a) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;   (b) intends to use the information for employment purposes;   (c) intends to use the information in connection with the underwriting of insurance involving the consumer;   (d) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or   (e) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.   History: En. 18-504 by Sec. 4, Ch. 547, L. 1975; R.C.M. 1947, 18-504.
MT Code § 31-3-112 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-112. Obsolete information

  31-3-112. Obsolete information. No consumer reporting agency may make any consumer report containing any of the following items of information:   (1) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than 14 years;   (2) suits and judgments which, from date of entry, antedate the report by more than 7 years or until the governing statute of limitations has expired, whichever is the longer period;   (3) paid tax liens which, from date of payment, antedate the report by more than 7 years;   (4) accounts placed for collection or charged to profit and loss which antedate the report by more than 7 years;   (5) records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than 7 years;   (6) any other adverse item of information which antedates the report by more than 7 years.   History: En. 18-505 by Sec. 5, Ch. 547, L. 1975; R.C.M. 1947, 18-505.
MT Code § 31-3-113 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-113. Disclosure of investigative consumer reports

  31-3-113. Disclosure of investigative consumer reports. (1) A person may not procure or cause to be prepared or distribute an investigative consumer report on any consumer unless:   (a) it is clearly and accurately disclosed to the consumer that an investigative consumer report, including information as to the consumer's character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made and the disclosure is made in a writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested and includes a statement informing the consumer of the right to request the additional disclosures provided for under subsection (2); or   (b) the report is to be used for employment purposes for which the consumer applied.   (2) Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by the person of the disclosure required by subsection (1)(a), make a complete and accurate disclosure of the nature, scope, and substance of the investigation requested. This disclosure must be made in a writing and must be mailed or otherwise delivered to the consumer not later than 5 days after the date on which the request for the disclosure was received from the consumer or the report was first requested, whichever is later.   (3) A person may not be held liable for any violation of subsection (1) or (2) if the person shows by a preponderance of the evidence that at the time of the violation the person maintained reasonable procedures to ensure compliance with subsection (1) or (2).   History: En. 18-506 by Sec. 6, Ch. 547, L. 1975; R.C.M. 1947, 18-506; amd. Sec. 1003, Ch. 56, L. 2009.
MT Code § 31-3-114 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-114. Compliance procedures

  31-3-114. Compliance procedures. (1) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 31-3-112 and 31-3-113 and to limit the furnishing of consumer reports to the purposes listed under 31-3-111. These procedures must require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by the prospective user prior to furnishing the user a consumer report. A consumer reporting agency may not furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in 31-3-111.   (2) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and it shall maintain a record of all persons using the information and the source of each piece of information.   (3) When gathering information, a consumer reporting agency shall notify any person who furnishes information that the person is liable to suit if the information is false or furnished with malice or willful intent to injure the consumer.   History: En. 18-507 by Sec. 7, Ch. 547, L. 1975; R.C.M. 1947, 18-507; amd. Sec. 1004, Ch. 56, L. 2009.
MT Code § 31-3-115 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-115. Adverse information

  31-3-115. Adverse information. (1) Whenever a consumer reporting agency prepares an investigative consumer report, adverse information in the consumer report, other than information that is a matter of public record, may not be included in a subsequent consumer report unless the adverse information has been verified in the process of making the subsequent consumer report.   (2) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, pursuant to 15 U.S.C. 1681c-2.   History: En. 18-508 by Sec. 8, Ch. 547, L. 1975; R.C.M. 1947, 18-508; amd. Sec. 1, Ch. 518, L. 2005.
MT Code § 31-3-116 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-116. through 31-3-120 reserved

  31-3-116 through 31-3-120 reserved.
MT Code § 31-3-121 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-121. Disclosures to governmental agencies

  31-3-121. Disclosures to governmental agencies. Notwithstanding the provisions of 31-3-111, a consumer reporting agency may furnish identifying information respecting any consumer, limited to the consumer's name, address, former addresses, places of employment, or former places of employment, to a governmental agency.   History: En. 18-509 by Sec. 9, Ch. 547, L. 1975; R.C.M. 1947, 18-509; amd. Sec. 1005, Ch. 56, L. 2009.
MT Code § 31-3-122 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-122. Disclosures to consumers

  31-3-122. Disclosures to consumers. (1) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer:   (a) the nature and substance of all information (except medical information) in its files on the consumer at the time of the request; and   (b) the sources of the information.   (2) The requirements of subsection (1) respecting the disclosure of sources of information and the recipients of consumer reports furnished prior to July 1, 1975, do not apply to existing consumer reporting agencies except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.   History: En. 18-510 by Sec. 10, Ch. 547, L. 1975; amd. Sec. 3, Ch. 185, L. 1977; R.C.M. 1947, 18-510.
MT Code § 31-3-123 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-123. Conditions of disclosure to consumer

  31-3-123. Conditions of disclosure to consumer. (1) A consumer reporting agency shall make the disclosures required under 31-3-122 during normal business hours and on reasonable notice.   (2) The disclosures required under 31-3-122 must be made to the consumer:   (a) in person if the consumer appears in person and furnishes proper identification; or   (b) by telephone if the consumer has made a written request, with proper identification for telephone disclosure, and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer.   (3) Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to the consumer pursuant to 31-3-122.   (4) The consumer must be permitted to be accompanied by one other person of the consumer's choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in the other person's presence.   History: En. 18-511 by Sec. 11, Ch. 547, L. 1975; R.C.M. 1947, 18-511; amd. Sec. 1006, Ch. 56, L. 2009.
MT Code § 31-3-124 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-124. Procedure in case of disputed accuracy

  31-3-124. Procedure in case of disputed accuracy. (1) If the completeness or accuracy of any item of information contained in this file is disputed by a consumer and the dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete the information and notify all users, of whom the consumer reporting agency has records, of the information's deletion. The users shall also delete the information.   (2) If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute.   (3) Whenever a statement of a dispute is filed, unless there are reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer's statement or a clear and accurate codification or summary thereof. The consumer reporting agency shall notify the consumer of all users, of whom it has records, who have the disputed information.   History: En. 18-512 by Sec. 12, Ch. 547, L. 1975; R.C.M. 1947, 18-512.
MT Code § 31-3-125 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-125. Fees for disclosures to consumers

  31-3-125. Fees for disclosures to consumers. A consumer reporting agency shall make all disclosures pursuant to 31-3-122 and 31-3-124 to the consumer, with appropriate fees to be established by the department of administration in accordance with the Montana Administrative Procedure Act.   History: En. 18-513 by Sec. 13, Ch. 547, L. 1975; R.C.M. 1947, 18-513; amd. Sec. 2, Ch. 274, L. 1981; amd. Sec. 72, Ch. 483, L. 2001.
MT Code § 31-3-126 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-126. Public record information for employment purposes

  31-3-126. Public record information for employment purposes. A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer's ability to obtain employment shall:   (1) at the time such public record information is reported to the user of such consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom such information is being reported; or   (2) maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumer's ability to obtain employment is reported it is complete and up-to-date. For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up-to-date if the current public record status of the item at the time of the report is reported.   History: En. 18-514 by Sec. 14, Ch. 547, L. 1975; R.C.M. 1947, 18-514.
MT Code § 31-3-127 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-127. Repealed

  31-3-127. Repealed. Sec. 10, Ch. 418, L. 1989.   History: En. Sec. 1, Ch. 543, L. 1985.
MT Code § 31-3-128 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-128. through 31-3-130 reserved

  31-3-128 through 31-3-130 reserved.
MT Code § 31-3-131 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-131. Requirements on users of consumer reports

  31-3-131. Requirements on users of consumer reports. (1) Whenever credit or insurance for personal, family, or household purposes or employment involving a consumer is denied or the charge for the credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall advise the consumer against whom the adverse action has been taken and supply the name and address of the consumer reporting agency making the report.   (2) Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for the credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of the information shall, within a reasonable period of time, upon the consumer's written request for the reasons for the adverse action received within 60 days after the consumer learned of the adverse action, disclose the nature of the information to the consumer. The user of the information shall clearly and accurately disclose to the consumer the right to make the written request at the time the adverse action is communicated to the consumer.   (3) A person may not be held liable for any violation of this section if the person shows by a preponderance of the evidence that at the time of the alleged violation the person maintained reasonable procedures to ensure compliance with the provisions of subsections (1) and (2).   History: En. 18-515 by Sec. 15, Ch. 547, L. 1975; amd. Sec. 4, Ch. 185, L. 1977; R.C.M. 1947, 18-515; amd. Sec. 1007, Ch. 56, L. 2009.
MT Code § 31-3-132 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-132. Block of information on credit report

  31-3-132. Block of information on credit report. (1) Within 30 days after a consumer reporting agency receives from a consumer a complaint of identity theft and documentation as provided in subsection (2), the consumer reporting agency shall permanently block any information that the consumer identifies from the consumer's report that resulted from identity theft as defined in 45-6-332.   (2) To request a block of information on a consumer report, a consumer shall provide a consumer reporting agency with:   (a) a copy of a police report or an identity theft passport as provided in 46-24-220;   (b) the specific description of information that is to be blocked because it was a result of a violation of 45-6-332.   (3) A consumer reporting agency shall notify the person furnishing the information that a police report has been filed and that a block has been requested and shall notify the person of the effective date of the block.   (4) A consumer reporting agency may decline to block information or may rescind any block of information if, in the exercise of good faith and reasonable judgment, the consumer reporting agency believes that:   (a) the information was blocked because of a misrepresentation of fact by the consumer in requesting the block under this section;   (b) the consumer agrees that the blocked information or portions of the blocked information were blocked in error; or   (c) the consumer knowingly obtained possession of goods, services, or money as a result of the transaction for which information was blocked or the consumer should have known that possession of goods, services, or money occurred because of the transaction for which information was blocked.   (5) If a consumer reporting agency declines to block information or rescinds a blocking of information under this section, the consumer reporting agency shall notify the consumer promptly in the same manner as required in 15 U.S.C. 1681i. The prior presence of the blocked information in the consumer reporting agency's file on the consumer is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money.   (6) In order to facilitate a consumer's right to block information as provided in subsection (1), a law enforcement agency shall provide to the consumer at the consumer's request a copy of a police report filed by the consumer that indicates that the consumer is a victim under 45-6-332.   History: En. Sec. 3, Ch. 195, L. 2007.
MT Code § 31-3-133 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-133. through 31-3-140 reserved

  31-3-133 through 31-3-140 reserved.
MT Code § 31-3-141 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-141. Actions available to consumer

  31-3-141. Actions available to consumer. (1) A consumer may bring action in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any person who fails to comply with this part.   (2) A person who fails to delete information or incorporate into a report a consumer's statement of dispute because the person judges the dispute to be frivolous or irrelevant is liable to suit.   (3) A person, other than the department of public health and human services under 40-5-261, who furnishes information to a consumer reporting agency that is false or a person who furnishes the information with malice or willful intent to injure the concerned consumer is liable to suit.   (4) A consumer who disputes the result of a reinvestigation conducted under 31-3-124 of the accuracy of information provided by the department of public health and human services may petition for an administrative hearing pursuant to 40-5-261.   History: En. 18-516 by Sec. 16, Ch. 547, L. 1975; R.C.M. 1947, 18-516; amd. Sec. 1, Ch. 418, L. 1989; amd. Sec. 35, Ch. 16, L. 1991; amd. Sec. 82, Ch. 546, L. 1995.
MT Code § 31-3-142 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-142. Civil liability for willful noncompliance

  31-3-142. Civil liability for willful noncompliance. Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this part with respect to any consumer is liable to that consumer in an amount equal to the sum of:   (1) any actual damages sustained by the consumer as a result of the failure;   (2) such amounts of punitive damages as the court may allow; and   (3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys' fees as determined by the court.   History: En. 18-517 by Sec. 17, Ch. 547, L. 1975; R.C.M. 1947, 18-517.
MT Code § 31-3-143 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-143. Civil liability for negligent noncompliance

  31-3-143. Civil liability for negligent noncompliance. Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this part with respect to any consumer is liable to that consumer in an amount equal to the sum of:   (1) any actual damages sustained by the consumer as a result of the failure;   (2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys' fees as determined by the court.   History: En. 18-518 by Sec. 18, Ch. 547, L. 1975; R.C.M. 1947, 18-518.
MT Code § 31-3-144 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-144. through 31-3-150 reserved

  31-3-144 through 31-3-150 reserved.
MT Code § 31-3-151 (2021)
2021 Montana Code Annotated|Title 31. Credit Transactions and Relationships|Chapter 3. Related Credit Practices|Part 1. Consumer Reporting Agencies|31-3-151. Jurisdiction -- venue

  31-3-151. Jurisdiction -- venue. A consumer may bring suit in any district court in Montana, except that disputes concerning information provided under 40-5-261 are subject to administrative and judicial review as provided in 40-5-261.   History: En. 18-519 by Sec. 19, Ch. 547, L. 1975; R.C.M. 1947, 18-519; amd. Sec. 2, Ch. 418, L. 1989.