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Civil Code - CIV - CIV § 1785.22
Civil Code - CIV - CIV § 1785.22
(a) A person may not procure a consumer credit report for the purpose of reselling the report or any information therein unless the person discloses to the consumer credit reporting agency which issues the report the identity of the ultimate end user and each permissible purpose
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Civil Code - CIV - CIV § 1785.25
Civil Code - CIV - CIV § 1785.25
(a) A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. (b) A person who (1) in the ordinary course of business regularly and on a ro
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Civil Code - CIV - CIV § 1785.26
Civil Code - CIV - CIV § 1785.26
(a) As used in this section: (1) “Creditor” includes an agent or assignee of a creditor, including an agent engaged in administering or collecting the creditor’s accounts. (2) “Negative credit information” means information concerning the credit history of a consumer that, becaus
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Civil Code - CIV - CIV § 1785.27
Civil Code - CIV - CIV § 1785.27
(a) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency. (b) A medical debt is void and unenforceable if a person knowingly violates this section by furnishing information regarding the medical debt to a consumer credit reporting
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Civil Code - CIV - CIV § 1785.28
Civil Code - CIV - CIV § 1785.28
(a) For the purposes of this section, the following definitions shall apply: (1) Escrow means any transaction in which one person, for the purpose of effecting the sale, transfer, encumbering, or leasing of real or personal property to another person, delivers any written instrum
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Civil Code - CIV - CIV § 1785.28.6
Civil Code - CIV - CIV § 1785.28.6
This chapter shall remain in effect only until January 1, 2027, and as of that date is repealed.
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Civil Code - CIV - CIV § 1785.3
Civil Code - CIV - CIV § 1785.3
The following terms as used in this title have the meaning expressed in this section: (a) “Adverse action” means a denial or revocation of credit, a change in the terms of an existing credit arrangement which is adverse to the interests of the consumer, or a refusal to grant cred
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Civil Code - CIV - CIV § 1785.30
Civil Code - CIV - CIV § 1785.30
Upon notification of the results of a consumer credit reporting agency’s reinvestigation pursuant to Section 1785.16, a consumer may make a written demand on any person furnishing information to the consumer credit reporting agency to correct any information that the consumer bel
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Civil Code - CIV - CIV § 1785.31
Civil Code - CIV - CIV § 1785.31
(a) Any consumer who suffers damages as a result of a violation of this title by any person may bring an action in a court of appropriate jurisdiction against that person to recover the following: (1) In the case of a negligent violation, actual damages, including court costs, lo
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Civil Code - CIV - CIV § 1785.32
Civil Code - CIV - CIV § 1785.32
Except as provided in Section 1785.31, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furn
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Civil Code - CIV - CIV § 1785.33
Civil Code - CIV - CIV § 1785.33
An action to enforce any liability created under this chapter may be brought in any appropriate court of competent jurisdiction within two years from the date the plaintiff knew of, or should have known of, the violation of this title, but not more than seven years from the earli
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Civil Code - CIV - CIV § 1785.34
Civil Code - CIV - CIV § 1785.34
(a) Any consumer credit reporting agency or user of information against whom an action brought pursuant to Section 1681n or 1681o of Title 15 of the United States Code is pending shall not be subject to suit for the same act or omission under Section 1785.31. (b) The entry of a f
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Civil Code - CIV - CIV § 1785.35
Civil Code - CIV - CIV § 1785.35
This title does not apply to any consumer credit report that by its terms is limited to disclosures from public records relating to land and land titles and does not apply to any person whose records and files are maintained for the primary purpose of reporting those portions of
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Civil Code - CIV - CIV § 1785.36
Civil Code - CIV - CIV § 1785.36
Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
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Civil Code - CIV - CIV § 1785.4
Civil Code - CIV - CIV § 1785.4
Nothing in this title shall apply to any person licensed pursuant to the provisions of Chapter 11 (commencing with Section 7500) of Division 3 of the Business and Professions Code, or to any employee of such person, unless such person is employed directly by a consumer credit rep
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Civil Code - CIV - CIV § 1785.41
Civil Code - CIV - CIV § 1785.41
Consumer credit reporting is subject to the regulations of the Consumer Credit Reporting Agencies Act. Commercial credit reports, which differ significantly, are not subject to that act. The circumstances, business practices, and reports themselves differ sufficiently to make it
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Civil Code - CIV - CIV § 1785.42
Civil Code - CIV - CIV § 1785.42
(a) “Commercial credit report” means any report provided to a commercial enterprise for a legitimate business purpose, relating to the financial status or payment habits of a commercial enterprise which is the subject of the report. It does not include a report subject to Title 1
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Civil Code - CIV - CIV § 1785.43
Civil Code - CIV - CIV § 1785.43
(a) Commercial credit reporting agencies may protect the identity of sources of information to be used in commercial credit reports. (b) Upon the request of a representative of the subject of a report, the commercial credit reporting agency shall provide one printed copy of the s
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Civil Code - CIV - CIV § 1785.44
Civil Code - CIV - CIV § 1785.44
Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
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Civil Code - CIV - CIV § 1785.5
Civil Code - CIV - CIV § 1785.5
Any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling, evaluating, or disseminating information on the checking account experiences of consumer customers of banks or other financial instit
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Civil Code - CIV - CIV § 1785.6
Civil Code - CIV - CIV § 1785.6
The notices and disclosures to consumers provided for in this title shall be required to be made only to those consumers who have a mailing address in California.
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Civil Code - CIV - CIV § 1786
Civil Code - CIV - CIV § 1786
The Legislature finds and declares as follows: (a) Investigative consumer reporting agencies have assumed a vital role in collecting, assembling, evaluating, compiling, reporting, transmitting, transferring, or communicating information on consumers for employment and insurance p
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Civil Code - CIV - CIV § 1786.1
Civil Code - CIV - CIV § 1786.1
This title may be referred to as the Investigative Consumer Reporting Agencies Act.
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Civil Code - CIV - CIV § 1786.10
Civil Code - CIV - CIV § 1786.10
(a) Every investigative consumer reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding the consumer at the time of the request. (b) (1) All items of information shall be available for
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Civil Code - CIV - CIV § 1786.11
Civil Code - CIV - CIV § 1786.11
Every investigative consumer reporting agency that provides an investigative consumer report to a person other than the consumer shall make a copy of that report available, upon request and proper identification, to the consumer for at least two years after the date that the repo