Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Structure US Code
CHAPTER 41— CONSUMER CREDIT PROTECTION
SUBCHAPTER III— CREDIT REPORTING AGENCIES
§ 1681. Congressional findings and statement of purpose
§ 1681a. Definitions; rules of construction
§ 1681b. Permissible purposes of consumer reports
§ 1681c. Requirements relating to information contained in consumer reports
§ 1681c–1. Identity theft prevention; fraud alerts and active duty alerts
§ 1681c–2. Block of information resulting from identity theft
§ 1681c–3. Adverse information in cases of trafficking
§ 1681d. Disclosure of investigative consumer reports
§ 1681e. Compliance procedures
§ 1681f. Disclosures to governmental agencies
§ 1681g. Disclosures to consumers
§ 1681h. Conditions and form of disclosure to consumers
§ 1681i. Procedure in case of disputed accuracy
§ 1681j. Charges for certain disclosures
§ 1681k. Public record information for employment purposes
§ 1681l. Restrictions on investigative consumer reports
§ 1681m. Requirements on users of consumer reports
§ 1681n. Civil liability for willful noncompliance
§ 1681o. Civil liability for negligent noncompliance
§ 1681p. Jurisdiction of courts; limitation of actions
§ 1681q. Obtaining information under false pretenses
§ 1681r. Unauthorized disclosures by officers or employees
§ 1681s. Administrative enforcement
§ 1681s–1. Information on overdue child support obligations
§ 1681s–2. Responsibilities of furnishers of information to consumer reporting agencies
§ 1681t. Relation to State laws
§ 1681u. Disclosures to FBI for counterintelligence purposes
§ 1681v. Disclosures to governmental agencies for counterterrorism purposes
§ 1681x. Corporate and technological circumvention prohibited