reglab/housing_qa huggingface dataset:
WA Rev Code § 19.182.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.050 - Investigative consumer report—Procurement, preparation—Disclosure—Use—Liability—Record.

RCW 19.182.050 Investigative consumer report—Procurement, preparation—Disclosure—Use—Liability—Record.(1) A person may not procure or cause to be prepared an investigative consumer report on a 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:(i) Is made in a writing mailed, or otherwise delivered, to the consumer not later than three days after the date on which the report was first requested; and(ii) Includes a statement informing the consumer of the consumer's right to request the additional disclosures provided for under subsection (2) of this section and the written summary of the rights of the consumer prepared under RCW 19.182.080(7); or(b) The report is to be used for employment purposes for which the consumer has not specifically applied.(2) A person who procures or causes to be prepared an investigative consumer report on a consumer shall make, upon written request made by the consumer within a reasonable period of time after the receipt by the consumer of the disclosure required in subsection (1)(a) of this section, a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure must be made in a writing mailed, or otherwise delivered, to the consumer not later than the latter of five days after the date on which the request for the disclosure was either received from the consumer or the report was first requested.(3) No person may be held liable for a violation of subsection (1) or (2) of this section if the person shows by a preponderance of the evidence that at the time of the violation the person maintained reasonable procedures to assure compliance with subsection (1) or (2) of this section.(4) A consumer reporting agency shall maintain a detailed record of:(a) The identity of the person to whom an investigative consumer report or information from a consumer report is provided by the consumer reporting agency; and(b) The certified purpose for which an investigative consumer report on a consumer, or any other information relating to a consumer, is requested by the person.For purposes of this subsection, "person" does not include an individual who requests the report unless the individual obtains the report or information for his or her own individual purposes.[ 1993 c 476 § 7.]
WA Rev Code § 19.182.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.060 - Consumer report—Procedures for compliance—Information for governmental agency—Record.

RCW 19.182.060 Consumer report—Procedures for compliance—Information for governmental agency—Record.(1) A consumer reporting agency shall maintain reasonable procedures designed to avoid violations of RCW 19.182.040 and to limit the furnishing of consumer reports to the purposes listed under RCW 19.182.020. 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. A 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 before furnishing the user a consumer report. No consumer reporting agency may furnish a consumer report to a person if the agency has reasonable grounds for believing that the consumer report will not be used for a purpose listed in RCW 19.182.020.(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.(3) Notwithstanding RCW 19.182.020, a consumer reporting agency may furnish identifying information about a consumer, limited to the consumer's name, address, former addresses, places of employment, or former places of employment, to a governmental agency.(4) A consumer reporting agency shall maintain a detailed record of:(a) The identity of any person to whom a consumer report or information from a consumer report is provided by the consumer reporting agency; and(b) The certified purpose for which a consumer report on a consumer, or any other information relating to a consumer, is requested by any person.For purposes of this subsection, "person" does not include an individual who requests the report unless the individual obtains the report or information for his or her own purposes.[ 1993 c 476 § 8.]
WA Rev Code § 19.182.070 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.070 - Disclosures to consumer.

RCW 19.182.070 Disclosures to consumer.A consumer reporting agency shall, upon request by the consumer, clearly and accurately disclose:(1) All information in the file on the consumer at the time of request, except that medical information may be withheld. The agency shall inform the consumer of the existence of medical information, and the consumer has the right to have that information disclosed to the health care provider of the consumer's choice. Nothing in this chapter prevents, or authorizes a consumer reporting agency to prevent, the health care provider from disclosing the medical information to the consumer. The agency shall inform the consumer of the right to disclosure of medical information at the time the consumer requests disclosure of his or her file.(2) All items of information in its files on that consumer, including disclosure of the sources of the information, except that sources of information acquired solely for use in an investigative report may only be disclosed to a plaintiff under appropriate discovery procedures.(3) Identification of (a) each person who for employment purposes within the two-year period before the request, and (b) each person who for any other purpose within the six-month period before the request, procured a consumer report.(4) A record identifying all inquiries received by the agency in the six-month period before the request that identified the consumer in connection with a credit transaction that is not initiated by the consumer.(5) An identification of a person under subsection (3) or (4) of this section must include (a) the name of the person or, if applicable, the trade name under which the person conducts business; and (b) upon request of the consumer, the address of the person.[ 1993 c 476 § 9.]
WA Rev Code § 19.182.080 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.080 - Disclosures to consumer—Procedures.

RCW 19.182.080 Disclosures to consumer—Procedures.(1) A consumer reporting agency shall make the disclosures required under RCW 19.182.070 during normal business hours and on reasonable notice.(2) The consumer reporting agency shall make the disclosures required under RCW 19.182.070 to the consumer:(a) In person if the consumer appears in person and furnishes proper identification;(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; or(c) By any other reasonable means that are available to the consumer reporting agency if that means is authorized by the consumer.(3) A consumer reporting agency shall provide trained personnel to explain to the consumer, information furnished to the consumer under RCW 19.182.070.(4) The consumer reporting agency shall permit the consumer 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.(5) If a credit score is provided by a consumer reporting agency to a consumer, the agency shall provide an explanation of the meaning of the credit score.(6) Except as provided in RCW 19.182.150, no consumer may bring an action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against a consumer reporting agency or a user of information, based on information disclosed under this section or RCW 19.182.070, except as to false information furnished with malice or willful intent to injure the consumer. Except as provided in RCW 19.182.150, no consumer may bring an action or proceeding against a person who provides information to a consumer reporting agency in the nature of defamation, invasion of privacy, or negligence for unintentional error.(7)(a) A consumer reporting agency must provide to a consumer, with each written disclosure by the agency to the consumer under RCW 19.182.070, a written summary of all rights and remedies the consumer has under this chapter.(b) The summary of the rights and remedies of consumers under this chapter must include:(i) A brief description of this chapter and all rights and remedies of consumers under this chapter;(ii) An explanation of how the consumer may exercise the rights and remedies of the consumer under this chapter; and(iii) A list of all state agencies, including the attorney general's office, responsible for enforcing any provision of this chapter and the address and appropriate phone number of each such agency.[ 1993 c 476 § 10.]
WA Rev Code § 19.182.100 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.100 - Consumer reporting agency—Consumer fees and charges for required information—Exceptions.

RCW 19.182.100 Consumer reporting agency—Consumer fees and charges for required information—Exceptions.(1) Except as provided in subsections (2) and (3) of this section, a consumer reporting agency may charge the following fees to the consumer:(a) For making a disclosure under RCW 19.182.070 and 19.182.080, the consumer reporting agency may charge a fee not exceeding eight dollars. Beginning January 1, 1995, the eight-dollar charge may be adjusted on January 1st of each year based on corresponding changes in the consumer price index with fractional changes rounded to the nearest half dollar.(b) For furnishing a notification, statement, or summary to a person under RCW 19.182.090(7), the consumer reporting agency may charge a fee not exceeding the charge that the agency would impose on each designated recipient for a consumer report. The amount of any charge must be disclosed to the consumer before furnishing the information.(2) A consumer reporting agency shall make all disclosures under RCW 19.182.070 and 19.182.080 and furnish all consumer reports under RCW 19.182.090 without charge, if requested by the consumer within sixty days after receipt by the consumer of a notification of adverse action under RCW 19.182.110 or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected.(3) A consumer reporting agency shall not impose any charge for (a) providing notice to a consumer required under RCW 19.182.090, or (b) notifying a person under RCW 19.182.090(7) of the deletion of information that is found to be inaccurate or that can no longer be verified, if the consumer designates that person to the agency before the end of the thirty-day period beginning on the date of notice under RCW 19.182.090(8).[ 1993 c 476 § 12.]
WA Rev Code § 19.182.110 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.110 - Adverse action based on report—Procedure—Notice.

RCW 19.182.110 Adverse action based on report—Procedure—Notice.If a person takes an adverse action with respect to a consumer that is based, in whole or in part, on information contained in a consumer report, the person shall:(1) Provide written notice of the adverse action to the consumer, except verbal notice may be given by a person in an adverse action involving a business regulated by the Washington utilities and transportation commission if such verbal notice does not impair a consumer's ability to obtain a credit report without charge under RCW 19.182.100(2); and(2) Provide the consumer with the name, address, and telephone number of the consumer reporting agency that furnished the report to the person.[ 2012 c 41 § 4; 1993 c 476 § 13.]NOTES:Finding—2012 c 41: See note following RCW 59.18.257.
WA Rev Code § 19.182.120 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.120 - Limitation on action—Exception.

RCW 19.182.120 Limitation on action—Exception.An action to enforce a liability created under this chapter is permanently barred unless commenced within two years after the cause of action accrues, except that where a defendant has materially and willfully misrepresented information required under this chapter to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant's liability to that individual under this chapter, the action may be brought at any time within two years after discovery by the individual of the misrepresentation.[ 1993 c 476 § 14.]
WA Rev Code § 19.182.130 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.130 - Obtaining information under false pretenses—Penalty.

RCW 19.182.130 Obtaining information under false pretenses—Penalty.A person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses is subject to a fine of up to five thousand dollars or imprisonment for up to three hundred sixty-four days, or both.[ 2011 c 96 § 21; 1993 c 476 § 15.]NOTES:Findings—Intent—2011 c 96: See note following RCW 9A.20.021.
WA Rev Code § 19.182.140 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.140 - Provision of information to unauthorized person—Penalty.

RCW 19.182.140 Provision of information to unauthorized person—Penalty.An officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information is subject to a fine of up to five thousand dollars or imprisonment for up to three hundred sixty-four days, or both.[ 2011 c 96 § 22; 1993 c 476 § 16.]NOTES:Findings—Intent—2011 c 96: See note following RCW 9A.20.021.
WA Rev Code § 19.182.150 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.150 - Application of consumer protection act—Limitation—Awards—Penalties—Attorneys' fees.

RCW 19.182.150 Application of consumer protection act—Limitation—Awards—Penalties—Attorneys' fees.The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. Violations of this chapter are not reasonable in relation to the development and preservation of business. A violation of this chapter is an unfair or deceptive act in trade or commerce and an unfair method of competition for the purpose of applying the consumer protection act, chapter 19.86 RCW. The burden of proof in an action alleging a violation of this chapter shall be by a preponderance of the evidence, and the applicable statute of limitation shall be as set forth in RCW 19.182.120. For purposes of a judgment awarded pursuant to an action by a consumer under chapter 19.86 RCW, the consumer shall be awarded actual damages and costs of the action together with reasonable attorney's fees as determined by the court. However, where there has been willful failure to comply with any requirement imposed under this chapter, the consumer shall be awarded actual damages, a monetary penalty of one thousand dollars, and the costs of the action together with reasonable attorneys' fees as determined by the court.[ 1993 c 476 § 17.]
WA Rev Code § 19.182.160 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.160 - Block of information appearing as result of identity theft.

RCW 19.182.160 Block of information appearing as result of identity theft.(1) Within thirty days of receipt of proof of the consumer's identification and a copy of a police report, filed by the consumer, evidencing the consumer's claim to be a victim of a violation of RCW 9.35.020, a consumer reporting agency shall permanently block reporting any information the consumer identifies on his or her consumer report is a result of a violation of RCW 9.35.020, so that the information cannot be reported, except as provided in subsection (2) of this section. The consumer reporting agency shall promptly notify the furnisher of the information that a police report has been filed, that a block has been requested, and the effective date of the block.(2) A consumer reporting agency may decline to block or may rescind any block of consumer information if, in the exercise of good faith and reasonable judgment, the consumer reporting agency believes:(a) The information was blocked due to a misrepresentation of fact by the consumer relevant to the request to 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 moneys as a result of the blocked transaction or transactions or the consumer should have known that he or she obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions.(3) If the block of information is declined or rescinded under this section, the consumer shall be notified promptly in the same manner as consumers are notified of the reinsertion of information pursuant to section 611 of the fair credit reporting act, 15 U.S.C. Sec. 1681i, as amended. 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 he or she obtained possession of any goods, services, or moneys.(4) In order to facilitate the exercise of a consumer's right to block information in his or her consumer report, all police and sheriff's departments in Washington state shall provide to the consumer, at the consumer's request, a copy of any police report, filed by the consumer, evidencing the consumer's claim to be a victim of a violation of RCW 9.35.020.Nothing in this section shall be construed to require a law enforcement agency to investigate reports claiming identity theft.[ 2005 c 366 § 1; 2001 c 217 § 6.]NOTES:Captions not law—2001 c 217: See note following RCW 9.35.005.
WA Rev Code § 19.182.180 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.180 - Security freeze—Changes to information—Written confirmation required.

RCW 19.182.180 Security freeze—Changes to information—Written confirmation required.If a security freeze is in place, a consumer reporting agency may not change any of the following official information in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days of the change being posted to the consumer's file: Name, date of birth, social security number, and address. Written confirmation is not required for technical modifications of a consumer's official information, including name and street abbreviations, complete spellings, or transposition of numbers or letters. In the case of an address change, the written confirmation shall be sent to both the new address and to the former address.[ 2005 c 342 § 2.]
WA Rev Code § 19.182.190 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.190 - Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies.

RCW 19.182.190 Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies.A consumer reporting agency is not required to place a security freeze in a consumer credit report under RCW 19.182.170 if it acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent database of credit information from which new consumer credit reports are produced. However, a consumer reporting agency must honor any security freeze placed on a consumer credit report by another consumer reporting agency.[ 2005 c 342 § 3.]
WA Rev Code § 19.182.200 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.200 - Security freeze—Exempt entities.

RCW 19.182.200 Security freeze—Exempt entities.The following entities are not required to place a security freeze in a consumer credit report under RCW 19.182.170:(1) A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; and(2) A deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, ATM abuse, or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.[ 2005 c 342 § 4.]
WA Rev Code § 19.182.210 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.210 - Information furnished to a governmental agency.

RCW 19.182.210 Information furnished to a governmental agency.A consumer reporting agency may furnish to a governmental agency a consumer's name, address, former address, places of employment, or former places of employment.[ 2005 c 342 § 5.]
WA Rev Code § 19.182.800 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.182 - Fair Credit Reporting Act.|19.182.800 - Report on credit freezes.

RCW 19.182.800 Report on credit freezes.The office of cybersecurity, the office of privacy and data protection, and the attorney's general office must work with stakeholders to evaluate the impact to consumers and the consumer reporting agencies regarding the modifications in chapter 54, Laws of 2018. The report must include trends in data breaches including the frequency and nature of security breaches, best practices for preventing cybersecurity attacks, identity theft mitigation services available to consumers, and identity theft mitigation protocols recommended by the federal trade commission, the consumer financial protection bureau, and other relevant federal or state agencies. The report must be submitted to the house of representatives committee on business and financial services and the senate committee on financial institutions and insurance by December 1, 2020.[ 2018 c 54 § 3.]