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Civil Code - CIV - CIV § 1785.12

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.12

(a) Notwithstanding the provisions of Section 1785.11, a consumer credit reporting agency may furnish to a governmental agency a consumer’s name, address, former address, places of employment, or former places of employment. (b) If a request received pursuant to subdivision (a) o

Civil Code - CIV - CIV § 1785.13

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.13

(a) No consumer credit reporting agency shall make any consumer credit report containing any of the following items of information: (1) Bankruptcies that, from the date of the order for relief, antedate the report by more than 10 years. (2) Suits and judgments that, from the date

Civil Code - CIV - CIV § 1785.135

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.135

No consumer credit reporting agency shall make any consumer credit report with respect to a document which acts as a lien or other encumbrance, including, but not limited to, a notice of lis pendens, but which has together with it a court order striking or releasing the lien or o

Civil Code - CIV - CIV § 1785.14

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Civil Code - CIV - CIV § 1785.14

(a) Every consumer credit reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1785.13 and to limit furnishing of consumer credit reports to the purposes listed under Section 1785.11. These procedures shall require that prospective users o

Civil Code - CIV - CIV § 1785.15

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.15

(a) A consumer credit reporting agency shall supply files and information required under Section 1785.10 during normal business hours and on reasonable notice. In addition to the disclosure provided by this chapter and any disclosures received by the consumer, the consumer has th

Civil Code - CIV - CIV § 1785.15.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.15.1

(a) Upon the consumer’s request for a credit score, a consumer credit reporting agency shall supply to a consumer a notice which shall include the information described in paragraphs (1) to (5), inclusive, and a statement indicating that the information and credit scoring model m

Civil Code - CIV - CIV § 1785.15.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.15.2

(a) In complying with Section 1785.15.1, a consumer credit reporting agency shall supply the consumer with a credit score that is derived from a credit scoring model that is widely distributed to users by that consumer credit reporting agency in connection with residential real p

Civil Code - CIV - CIV § 1785.15.3

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.15.3

(a) In addition to any other rights the consumer may have under this title, every consumer credit reporting agency, after being contacted by telephone, mail, or in person by any consumer who has reason to believe he or she may be a victim of identity theft, shall promptly provide

Civil Code - CIV - CIV § 1785.16

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.16

(a) If the completeness or accuracy of any item of information contained in his or her file is disputed by a consumer, and the dispute is conveyed directly to the consumer credit reporting agency by the consumer or user on behalf of the consumer, the consumer credit reporting age

Civil Code - CIV - CIV § 1785.16.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.16.1

A consumer credit reporting agency shall delete from a consumer credit report inquiries for credit reports based upon credit requests that the consumer credit reporting agency verifies were initiated as the result of identity theft, as defined in Section 1798.92.

Civil Code - CIV - CIV § 1785.16.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.16.2

(a) No creditor may sell a consumer debt to a debt collector, as defined in 15 U.S.C. Sec. 1692a, if the consumer is a victim of identity theft, as defined in Section 1798.2, and with respect to that debt, the creditor has received notice pursuant to subdivision (k) of Section 17

Civil Code - CIV - CIV § 1785.16.3

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Civil Code - CIV - CIV § 1785.16.3

The provisions of subdivisions (k) and ( l ) of Section 1785.16 do not apply to a consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or agencies, and tha

Civil Code - CIV - CIV § 1785.17

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.17

(a) Except as otherwise provided, a consumer credit reporting agency may impose a reasonable charge upon a consumer, as follows: (1) For making a disclosure pursuant to Section 1785.10 or 1785.15, the consumer credit reporting agency may charge a fee not exceeding eight dollars (

Civil Code - CIV - CIV § 1785.18

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.18

(a) Each consumer credit reporting agency which compiles and reports items of information concerning consumers which are matters of public record, shall specify in any report containing public record information the source from which that information was obtained, including the p

Civil Code - CIV - CIV § 1785.19

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.19

(a) In addition to any other remedy provided by law, a consumer may bring an action for a civil penalty, not to exceed two thousand five hundred dollars ($2,500), against any of the following: (1) A person who knowingly and willfully obtains access to a file other than as provide

Civil Code - CIV - CIV § 1785.19.5

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.19.5

Every consumer credit reporting agency, upon written request and the furnishing of sufficient identification to identify the consumer and the subject file, shall create reasonable procedures to prevent a consumer credit report or information from a consumer’s file from being prov

Civil Code - CIV - CIV § 1785.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.2

This act may be referred to as the Consumer Credit Reporting Agencies Act.

Civil Code - CIV - CIV § 1785.20

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20

(a) If any person takes any adverse action with respect to any consumer, and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, that person shall do all of the following: (1) Provide written notice of the adverse action to

Civil Code - CIV - CIV § 1785.20.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20.1

(a) Except as provided in subdivision (b), any person who uses a consumer credit report in connection with any credit transaction not initiated by the consumer and which consists of a firm offer of credit shall provide with any solicitation made to the consumer a clear and conspi

Civil Code - CIV - CIV § 1785.20.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20.2

Any person who makes or arranges loans and who uses a consumer credit score as defined in Section 1785.15.1 in connection with an application initiated or sought by a consumer for a closed end loan or establishment of an open end loan for a consumer purpose that is secured by one

Civil Code - CIV - CIV § 1785.20.3

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20.3

(a) Any person who uses a consumer credit report in connection with the approval of credit based on an application for an extension of credit, and who discovers that the consumer’s first and last name, address, or social security number, on the credit application does not match,

Civil Code - CIV - CIV § 1785.20.4

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20.4

A housing provider, tenant screening company, or other entity that evaluates tenants on behalf of a housing provider shall not use an alleged COVID-19 rental debt, as defined in Section 1179.02 of the Code of Civil Procedure, as a negative factor for the purpose of evaluating a p

Civil Code - CIV - CIV § 1785.20.5

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.20.5

(a) Prior to requesting a consumer credit report for employment purposes, the user of the report shall provide written notice to the person involved. The notice shall inform the person that a report will be used, and shall identify the specific basis under subdivision (a) of Sect

Civil Code - CIV - CIV § 1785.20.6

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Civil Code - CIV - CIV § 1785.20.6

A person who uses a consumer credit report in connection with a credit transaction shall not use a medical debt listed on the report as a negative factor when making a credit decision.

Civil Code - CIV - CIV § 1785.21

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.21

(a) A user in its discretion may notify the consumer that upon request the user may contact the consumer reporting agency and request that the consumer reporting agency investigate the current status of an item or items of information contained in the consumer report if the consu