Revised Code of Washington - RCW Title 19 Business Regulations -- Miscellaneous - Chapter 19.182 Fair Credit Reporting Act
- 19.182.005 Findings -- Declaration
The legislature finds and declares that consumers have a vital interest in establishing and maintaining creditworthiness. The legislature further finds that an elaborate mechanism using ...
- 19.182.010 Definitions
Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter. (1)(a) "Adverse action" includes: (i) Denial of, increase in any ...
- 19.182.020 Consumer report -- Furnishing -- Procuring
(1) A consumer reporting agency may furnish a consumer report only under the following circumstances: (a) In response to the order of a court having ...
- 19.182.030 Consumer report -- Credit action not initiated by consumer -- Exclusion by consumer
(1) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020(1)(c)(i) in connection with a credit transaction that is ...
- 19.182.040 Consumer report -- Prohibited information -- Exceptions
(1) Except as authorized under subsection (2) of this section, no consumer reporting agency may make a consumer report containing any of the following items ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 19.182.090 Consumer file -- Dispute -- Procedure -- Notice -- Statement of dispute -- Toll-free information number
(1) If the completeness or accuracy of an item of information contained in a consumer's file at a consumer reporting agency is disputed by the ...
- 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) ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 19.182.170 Victim of identity theft -- Security freeze
(1) A consumer, who is a resident of this state, may elect to place a security freeze on his or her credit report by making ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 19.182.900 Short title -- 1993 c 476
This chapter shall be known as the Fair Credit Reporting Act.[1993 c 476 § 2.] ...
- 19.182.901 Severability -- 1993 c 476
If any provision of this act or its application to any person or circumstance is held invalid, the remainder of the act or the application ...
- 19.182.902 Effective date -- 1993 c 476
This act takes effect January 1, 1994.[1993 c 476 § 20.] ...
Last modified: April 7, 2009