(1) advise the consumer against whom such adverse action has been
taken of such action,
(2) supply the name and address of the consumer reporting agency
making the report, and
(3) inform the consumer of his right to inspect and receive a copy of
such report by contacting the consumer reporting agency.
(b) In addition to the requirements of subdivision (a) of this
section, the user of any such report for purpose of evaluating an
application for credit shall furnish to the consumer the reasons for any
adverse action in relation to such application in conformance with the
requirements of the federal equal credit opportunity act (P.L. 93-435,
15 USC 1691 et seq) as that statute may from time to time be amended.
(c) Every user of a consumer report or an investigative consumer
report shall be prohibited from disseminating any such report to any
other person unless such other person has a legitimate business need for
the information in connection with a business transaction involving the
consumer.
Structure New York Laws
Article 25 - Fair Credit Reporting Act
380-B - Permissible Dissemination of Reports.
380-C - Preparation And/or Procurement of Investigative Consumer Reports.
380-D - Disclosure to Consumers.
380-E - Methods and Conditions of Disclosure to Consumers.
380-F - Procedure for Resolving Disputes.
380-G - Public Record Information.
380-H - Restrictions on Investigative Consumer Reports.
380-I - Requirements on Users of Consumer Reports.
380-J - Prohibited Information.
380-K - Compliance Procedures.
380-L - Civil Liability for Willful Noncompliance.
380-M - Civil Liability for Negligent Noncompliance.
380-N - Jurisdiction of Courts; Limitation of Actions.
380-O - Obtaining or Introducing Information Under False Pretenses; Penalty.
380-P - Unauthorized Disclosures by Officers or Employees; Penalty.
380-Q - Disclosure of Medical Information.
380-R - Disclosures to Governmental Agencies.