California Civil Code CHAPTER 2 - Obligations of Consumer Credit Reporting Agencies

• Section 1785.10.
  (a) Every consumer credit reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding that...
• Section 1785.10.1.
  (a) It is unlawful for a consumer credit reporting agency to prohibit in any manner, including, but not limited to, in the terms of a contract...
• Section 1785.11.
  (a) A consumer credit reporting agency shall furnish a consumer credit report only under the following circumstances:(1) In response to the order of a court having jurisdiction...
• Section 1785.11.1.
  (a) A consumer may elect to place a security alert in his or her credit report by making a request in writing or by telephone to...
• Section 1785.11.2.
  (a) A consumer may elect to place a security freeze on his or her credit report by making a request in writing by mail to a...
• Section 1785.11.3.
  (a) If a security freeze is in place, a consumer credit reporting agency shall not change any of the following official information in a consumer credit...
• Section 1785.11.4.
  The provisions of Sections 1785.11.1, 1785.11.2, and 1785.11.3 do not apply to a consumer credit reporting agency that acts only as a reseller of credit...
• Section 1785.11.6.
  The following entities are not required to place in a credit report either a security alert, pursuant to Section 1785.11.1, or a security freeze, pursuant...
• Section 1785.11.8.
  A consumer may elect that his or her name shall be removed from any list that a consumer credit reporting agency furnishes for credit card...
• Section 1785.11.9.
  For purposes of Sections 1785.11.10 and 1785.11.11, the following terms shall have the following meanings:(a) “Protected consumer” means an individual who is any of the following:(1) Under...
• Section 1785.11.10.
  Sections 1785.11.9 to 1785.11.11, inclusive, do not apply to the use of a protected consumer’s consumer credit report or record by any of the following:(a) A...
• Section 1785.11.11.
  (a) A consumer credit reporting agency shall place a security freeze for a protected consumer if both of the following occur:(1) The consumer credit reporting agency receives...
• Section 1785.12.
  Notwithstanding the provisions of Section 1785.11, a consumer credit reporting agency may furnish to a governmental agency a consumer’s name, address, former address, places of...
• Section 1785.13.
  (a) No consumer credit reporting agency shall make any consumer credit report containing any of the following items of information:(1) Bankruptcies that, from the date of the...
• Section 1785.135.
  No consumer credit reporting agency shall make any consumer credit report with respect to a document which acts as a lien or other encumbrance, including,...
• Section 1785.14.
  (a) Every consumer credit reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1785.13 and to limit furnishing of consumer credit reports to...
• Section 1785.15.
  (a) A consumer credit reporting agency shall supply files and information required under Section 1785.10 during normal business hours and on reasonable notice. In addition to...
• Section 1785.15.1.
  (a) Upon the consumer’s request for a credit score, a consumer credit reporting agency shall supply to a consumer a notice which shall include the information...
• Section 1785.15.2.
  (a) In complying with Section 1785.15.1, a consumer credit reporting agency shall supply the consumer with a credit score that is derived from a credit scoring...
• Section 1785.15.3.
  (a) In addition to any other rights the consumer may have under this title, every consumer credit reporting agency, after being contacted by telephone, mail, or...
• Section 1785.16.
  (a) If the completeness or accuracy of any item of information contained in his or her file is disputed by a consumer, and the dispute is...
• Section 1785.16.1.
  A consumer credit reporting agency shall delete from a consumer credit report inquiries for credit reports based upon credit requests that the consumer credit reporting...
• Section 1785.16.2.
  (a) No creditor may sell a consumer debt to a debt collector, as defined in 15 U.S.C. Sec. 1692a, if the consumer is a victim of...
• Section 1785.16.3.
  The provisions of subdivisions (k) and (l) of Section 1785.16 do not apply to a consumer reporting agency that acts only as a reseller of...
• Section 1785.17.
  (a) Except as otherwise provided, a consumer credit reporting agency may impose a reasonable charge upon a consumer, as follows:(1) For making a disclosure pursuant to Section...
• Section 1785.18.
  (a) Each consumer credit reporting agency which compiles and reports items of information concerning consumers which are matters of public record, shall specify in any report...
• Section 1785.19.
  (a)  In addition to any other remedy provided by law, a consumer may bring an action for a civil penalty, not to exceed two thousand...
• Section 1785.19.5.
  Every consumer credit reporting agency, upon written request and the furnishing of sufficient identification to identify the consumer and the subject file, shall create reasonable...

Last modified: October 22, 2018