California Code
PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS
TITLE 1.6 - CONSUMER CREDIT REPORTING AGENCIES ACT

CHAPTER 1 - General Provisions

Section 1785.1. - 1785.1. The Legislature finds and declares as follows: (a) An...

Section 1785.2. - 1785.2. This act may be referred to as the Consumer...

Section 1785.3. - 1785.3. The following terms as used in this title have...

Section 1785.4. - 1785.4. Nothing in this title shall apply to any person...

Section 1785.5. - 1785.5. Any person who, for monetary fees, dues, or on...

Section 1785.6. - 1785.6. The notices and disclosures to consumers provided for in...

CHAPTER 2 - Obligations of Consumer Credit Reporting Agencies

Section 1785.10. - 1785.10. (a) Every consumer credit reporting agency shall, upon request...

Section 1785.10.1. - 1785.10.1. (a) It is unlawful for a consumer credit reporting...

Section 1785.11. - 1785.11. (a) A consumer credit reporting agency shall furnish a...

Section 1785.11.1. - 1785.11.1. (a) A consumer may elect to place a security...

Section 1785.11.2. - 1785.11.2. (a) A consumer may elect to place a security...

Section 1785.11.3. - 1785.11.3. (a) If a security freeze is in place, a...

Section 1785.11.4. - 1785.11.4. The provisions of Sections 1785.11.1, 1785.11.2, and 1785.11.3 do...

Section 1785.11.6. - 1785.11.6. The following entities are not required to place in...

Section 1785.11.8. - 1785.11.8. A consumer may elect that his or her name...

Section 1785.11.9. - 1785.11.9. For purposes of Sections 1785.11.10 and 1785.11.11, the following...

Section 1785.11.10. - 1785.11.10. Sections 1785.11.9 to 1785.11.11, inclusive, do not apply to...

Section 1785.11.11. - 1785.11.11. (a) A consumer credit reporting agency shall place a...

Section 1785.12. - 1785.12. Notwithstanding the provisions of Section 1785.11, a consumer credit...

Section 1785.13. - 1785.13. (a) No consumer credit reporting agency shall make any...

Section 1785.135. - 1785.135. No consumer credit reporting agency shall make any consumer...

Section 1785.14. - 1785.14. (a) Every consumer credit reporting agency shall maintain reasonable...

Section 1785.15. - 1785.15. (a) A consumer credit reporting agency shall supply files...

Section 1785.15.1. - 1785.15.1. (a) Upon the consumer’s request for a credit score,...

Section 1785.15.2. - 1785.15.2. (a) In complying with Section 1785.15.1, a consumer credit...

Section 1785.15.3. - 1785.15.3. (a) In addition to any other rights the consumer...

Section 1785.16. - 1785.16. (a) If the completeness or accuracy of any item...

Section 1785.16.1. - 1785.16.1. A consumer credit reporting agency shall delete from a...

Section 1785.16.2. - 1785.16.2. (a) No creditor may sell a consumer debt to...

Section 1785.16.3. - 1785.16.3. The provisions of subdivisions (k) and (l) of Section...

Section 1785.17. - 1785.17. (a) Except as otherwise provided, a consumer credit reporting...

Section 1785.18. - 1785.18. (a) Each consumer credit reporting agency which compiles and...

Section 1785.19. - 1785.19. (a) In addition to any other remedy provided by...

Section 1785.19.5. - 1785.19.5. Every consumer credit reporting agency, upon written request and...

CHAPTER 3 - Requirements on Users of Consumer Credit Reports

Section 1785.20. - 1785.20. (a) If any person takes any adverse action with...

Section 1785.20.1. - 1785.20.1. (a) Except as provided in subdivision (b), any person...

Section 1785.20.2. - 1785.20.2. Any person who makes or arranges loans and who...

Section 1785.20.3. - 1785.20.3. (a) Any person who uses a consumer credit report...

Section 1785.20.4. - 1785.20.4. A housing provider, tenant screening company, or other entity...

Section 1785.20.5. - 1785.20.5. (a) Prior to requesting a consumer credit report for...

Section 1785.21. - 1785.21. (a) A user in its discretion may notify the...

Section 1785.22. - 1785.22. (a) A person may not procure a consumer credit...

CHAPTER 3.5 - Obligations of Furnishers of Credit Information

Section 1785.25. - 1785.25. (a) A person shall not furnish information on a...

Section 1785.26. - 1785.26. (a) As used in this section: (1) “Creditor” includes...

CHAPTER 3.6 - Escrow Agent Rating Service

Section 1785.28. - 1785.28. (a) For the purposes of this section, the following...

Section 1785.28.6. - 1785.28.6. This chapter shall remain in effect only until January...

CHAPTER 4 - Remedies

Section 1785.30. - 1785.30. Upon notification of the results of a consumer credit...

Section 1785.31. - 1785.31. (a) Any consumer who suffers damages as a result...

Section 1785.32. - 1785.32. Except as provided in Section 1785.31, no consumer may...

Section 1785.33. - 1785.33. An action to enforce any liability created under this...

Section 1785.34. - 1785.34. (a) Any consumer credit reporting agency or user of...

Section 1785.35. - 1785.35. This title does not apply to any consumer credit...

Section 1785.36. - 1785.36. Any waiver of the provisions of this title is...