44-1694

44-1694. Correction of credit reports

A. If any consumer disputes the accuracy of any item in the consumer's records with
any consumer reporting agency, the consumer may give notice in writing to the consumer
reporting agency specifying in what manner the report is inaccurate and the consumer
reporting agency shall reinvestigate the inaccuracy at no charge to the consumer and
record the current status of the disputed information. The consumer reporting agency
shall provide forms for such notice and shall assist a consumer in preparing the notice
when requested.

B. Within thirty days after receiving a notice of inaccuracy, a consumer reporting
agency shall deny or admit the inaccuracy to the consumer in writing. If the consumer
reporting agency denies the inaccuracy, the consumer reporting agency shall include the
following information with the written results of the reinvestigation:

1. The basis for the denial.

2. A copy of the consumer's file that is based on the consumer's file as revised as
a result of the reinvestigation, including the business name and address of any furnisher
of information who was contacted in connection with that information and, if reasonably
available, the telephone number of the furnisher.

3. A notice that states that, if requested by the consumer, the consumer reporting
agency shall provide the consumer with a description of the procedure used by the
consumer reporting agency to determine the accuracy and completeness of the information.

C. If the consumer reporting agency admits that the item is inaccurate, it shall
immediately correct the item in its records and, on request by the consumer, it shall
inform any person who within the last six months has previously received a report
containing such inaccurate information.

D. A consumer may provide a statement to the consumer reporting agency and, unless
there are reasonable grounds to believe that it is frivolous or irrelevant, the consumer
reporting agency shall include the statement in the consumer's file if either of the
following applies:

1. The statement is a written explanation regarding an item of information that the
consumer reporting agency denies is inaccurate.

2. The statement is regarding the contents of the consumer's file. The consumer may
provide such a statement at any time, and the consumer reporting agency shall not charge
the consumer for the statement.

E. A consumer reporting agency may limit a consumer's statement as described in
subsection D to not more than one hundred words if the consumer reporting agency provides
the consumer with assistance in writing the statement.