S 0611

S‑0611.1 _____________________________________________

SENATE BILL 5196

_____________________________________________

State of Washington 57th Legislature 2001 Regular Session

By Senators Prentice and Winsley

Read first time 01/15/2001. Referred to Committee on Labor, Commerce & Financial Institutions.

_1 AN ACT Relating to the fair credit reporting act; and amending

_2 RCW 19.182.005, 19.182.010, 19.182.020, 19.182.070, 19.182.080,

_3 19.182.090, 19.182.100, and 19.182.110.

_4 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:

_5 Sec. 1. RCW 19.182.005 and 1993 c 476 s 1 are each amended to read

_6 as follows:

_7 The legislature finds and declares that consumers have a vital

_8 interest in establishing and maintaining creditworthiness. The

_9 legislature further finds that an elaborate mechanism using credit

10 reports and credit scores has developed for investigating and

11 evaluating a consumer's creditworthiness, credit capacity, and

12 general reputation and character. As such, credit reports and

13 credit scores are used for evaluating credit card, loan, mortgage,

14 and small business financing applications, as well as for

15 decisions regarding employment and the rental or leasing of

16 dwellings. Moreover, financial institutions and other creditors

17 depend upon fair and accurate credit reports and credit scores to

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_1 efficiently and accurately evaluate creditworthiness. Unfair or

_2 inaccurate reports and scores undermine both public and creditor

_3 confidences in the reliability of credit granting systems.

_4 Therefore, this chapter is necessary to assure accurate credit

_5 data collection, maintenance, and reporting on the citizens of the

_6 state. It is the policy of the state that credit reporting agencies

_7 maintain accurate credit reports and credit scores, resolve

_8 disputed reports promptly and fairly, and adopt reasonable

_9 procedures to promote consumer confidentiality and the proper use

10 of credit data in accordance with this chapter.

11 Sec. 2. RCW 19.182.010 and 1993 c 476 s 3 are each amended to read

12 as follows:

13 Unless the context clearly requires otherwise, the definitions

14 in this section apply throughout this chapter.

15 (1)(a) "Adverse action" includes:

16 (i) Denial of, increase in any charge for, or reduction in the

17 amount of insurance for personal, family, or household purposes;

18 (ii) Denial of employment or any other decision for employment

19 purposes that adversely affects a current or prospective employee;

20 (iii) Action or determination with respect to a consumer's

21 application for credit that is adverse to the interests of the

22 consumer; and

23 (iv) Action or determination with respect to a consumer's

24 application for the rental or leasing of residential real estate

25 that is adverse to the interests of the consumer.

26 (b) "Adverse action" does not include:

27 (i) A refusal to extend additional credit under an existing

28 credit arrangement if:

29 (A) The applicant is delinquent or otherwise in default with

30 respect to the arrangement; or

31 (B) The additional credit would exceed a previously established

32 credit limit; or

33 (ii) A refusal or failure to authorize an account transaction

34 at a point of sale.

35 (2) "Attorney general" means the office of the attorney

36 general.

37 (3) "Consumer" means an individual.

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_1 (4)(a) "Consumer report" means a written, oral, or other

_2 communication of information by a consumer reporting agency

_3 bearing on a consumer's creditworthiness, credit standing, credit

_4 capacity, character, general reputation, personal characteristics,

_5 or mode of living that is used or expected to be used or collected

_6 in whole or in part for:

_7 (i) The purpose of serving as a factor in establishing the

_8 consumer's eligibility for credit or insurance to be used

_9 primarily for personal, family, or household purposes;

10 (ii) Employment purposes; or

11 (iii) Other purposes authorized under RCW 19.182.020.

12 (b) "Consumer report" does not include:

13 (i) A report containing information solely as to transactions

14 or experiences between the consumer and the person making the

15 report;

16 (ii) An authorization or approval of a specific extension of

17 credit directly or indirectly by the issuer of a credit card or

18 similar device;

19 (iii) A report in which a person who has been requested by a

20 third party to make a specific extension of credit directly or

21 indirectly to a consumer conveys his or her decision with respect

22 to the request, if the third party advises the consumer of the

23 name and address of the person to whom the request was made and

24 the person makes the disclosures to the consumer required under

25 RCW 19.182.070;

26 (iv) A list compiled by a consumer reporting agency to be used

27 by its client for direct marketing of goods or services not

28 involving an offer of credit;

29 (v) A report solely conveying a decision whether to guarantee a

30 check in response to a request by a third party; or

31 (vi) A report furnished for use in connection with a

32 transaction that consists of an extension of credit to be used for

33 a commercial purpose.

34 (5) "Consumer reporting agency" means a person who, for

35 monetary fees, dues, or on a cooperative nonprofit basis,

36 regularly engages in whole or in part in the business of

37 assembling or evaluating consumer credit information or other

38 information on consumers for the purpose of furnishing consumer

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_1 reports to third parties, and who uses any means or facility of

_2 commerce for the purpose of preparing or furnishing consumer

_3 reports. "Consumer reporting agency" does not include a person

_4 solely by reason of conveying a decision whether to guarantee a

_5 check in response to a request by a third party or a person who

_6 obtains a consumer report and provides the report or information

_7 contained in it to a subsidiary or affiliate of the person.

_8 (6) "Credit score" means a numerical value or a categorization

_9 derived from a statistical tool or modeling system used by a

10 person who makes or arranges a loan to predict the likelihood of

11 certain credit behaviors, including default. The numerical value or

12 the categorization derived from this analysis may also be referred

13 to as a risk predictor or risk score.

14 "Credit score" does not include any mortgage score or rating of

15 an automated underwriting system that considers one or more key

16 factors in addition to credit information, including, but not

17 limited to, the loan to value ratio, the amount of down payment,

18 or a consumer's financial assets. "Credit score" does not include

19 other elements of the underwriting process or underwriting

20 decision.

21 For the purposes of this subsection, "key factors" means all

22 relevant elements or reasons adversely affecting the credit score

23 for the particular individual listed in the order of their

24 importance based on their effect on the credit score.

25 (7) "Credit transaction that is not initiated by the consumer"

26 does not include the use of a consumer report by an assignee for

27 collection or by a person with which the consumer has an account,

28 for purposes of (a) reviewing the account, or (b) collecting the

29 account. For purposes of this subsection "reviewing the account"

30 includes activities related to account maintenance and monitoring,

31 credit line increases, and account upgrades and enhancements.

32 ((~~(7)~~)) (8) "Direct solicitation" means the process in which

33 the consumer reporting agency compiles or edits for a client a

34 list of consumers who meet specific criteria and provides this

35 list to the client or a third party on behalf of the client for

36 use in soliciting those consumers for an offer of a product or

37 service.

38 ((~~(8)~~)) (9) "Employment purposes," when used in connection with

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_1 a consumer report, means a report used for the purpose of

_2 evaluating a consumer for employment, promotion, reassignment, or

_3 retention as an employee.

_4 ((~~(9)~~)) (10) "File," when used in connection with information

_5 on any consumer, means all of the information on that consumer

_6 recorded and retained by a consumer reporting agency regardless of

_7 how the information is stored.

_8 ((~~(10)~~)) (11) "Investigative consumer report" means a consumer

_9 report or portion of it in which information on a consumer's

10 character, general reputation, personal characteristics, or mode

11 of living is obtained through personal interviews with neighbors,

12 friends, or associates of the consumer reported on or with others

13 with whom the consumer is acquainted or who may have knowledge

14 concerning any items of information. However, the information does

15 not include specific factual information on a consumer's credit

16 record obtained directly from a creditor of the consumer or from a

17 consumer reporting agency when the information was obtained

18 directly from a creditor of the consumer or from the consumer.

19 ((~~(11)~~)) (12) "Medical information" means information or

20 records obtained, with the consent of the individual to whom it

21 relates, from a licensed physician or medical practitioner,

22 hospital, clinic, or other medical or medically related facility.

23 ((~~(12)~~)) (13) "Person" includes an individual, corporation,

24 government or governmental subdivision or agency, business trust,

25 estate, trust, partnership, association, and any other legal or

26 commercial entity.

27 ((~~(13)~~)) (14) "Prescreening" means the process in which the

28 consumer reporting agency compiles or edits for a client a list of

29 consumers who meet specific credit criteria and provides this list

30 to the client or a third party on behalf of the client for use in

31 soliciting those consumers for an offer of credit.

32 Sec. 3. RCW 19.182.020 and 1993 c 476 s 4 are each amended to

33 read as follows:

34 (1) A consumer reporting agency may furnish a consumer report

35 or credit score only under the following circumstances:

36 (a) In response to the order of a court having jurisdiction to

37 issue the order;

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_1 (b) In accordance with the written instructions of the consumer

_2 to whom it relates; or

_3 (c) To a person that the agency has reason to believe:

_4 (i) Intends to use the information in connection with a credit

_5 transaction involving the consumer on whom the information is to

_6 be furnished and involving the extension of credit to, or review

_7 or collection of an account of, the consumer;

_8 (ii) Intends to use the information for employment purposes;

_9 (iii) Intends to use the information in connection with the

10 underwriting of insurance involving the consumer;

11 (iv) Intends to use the information in connection with a

12 determination of the consumer's eligibility for a license or other

13 benefit granted by a governmental instrumentality required by law

14 to consider an applicant's financial responsibility or status; or

15 (v) Otherwise has a legitimate business need for the

16 information in connection with a business transaction involving

17 the consumer.

18 (2)(a) A person may not procure a consumer report, or cause a

19 consumer report to be procured, for employment purposes with

20 respect to any consumer who is not an employee at the time the

21 report is procured or caused to be procured unless:

22 (i) A clear and conspicuous disclosure has been made in writing

23 to the consumer before the report is procured or caused to be

24 procured that a consumer report may be obtained for purposes of

25 considering the consumer for employment. The disclosure may be

26 contained in a written statement contained in employment

27 application materials; or

28 (ii) The consumer authorizes the procurement of the report.

29 (b) A person may not procure a consumer report, or cause a

30 consumer report to be procured, for employment purposes with

31 respect to any employee unless the employee has received, at any

32 time after the person became an employee, written notice that

33 consumer reports may be used for employment purposes. A written

34 statement that consumer reports may be used for employment

35 purposes that is contained in employee guidelines or manuals

36 available to employees or included in written materials provided

37 to employees constitutes written notice for purposes of this

38 subsection. This subsection does not apply with respect to a

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_1 consumer report of an employee who the employer has reasonable

_2 cause to believe has engaged in specific activity that constitutes

_3 a violation of law.

_4 (c) In using a consumer report for employment purposes, before

_5 taking any adverse action based in whole or part on the report, a

_6 person shall provide to the consumer to whom the report relates:

_7 (i) The name, address, and telephone number of the consumer

_8 reporting agency providing the report; (ii) a description of the

_9 consumer's rights under this chapter pertaining to consumer

10 reports obtained for employment purposes; and (iii) a reasonable

11 opportunity to respond to any information in the report that is

12 disputed by the consumer.

13 Sec. 4. RCW 19.182.070 and 1993 c 476 s 9 are each amended to read

14 as follows:

15 A consumer reporting agency shall, upon request by the

16 consumer, clearly and accurately disclose:

17 (1) All information in the file on the consumer at the time of

18 request, except that medical information may be withheld. The

19 agency shall inform the consumer of the existence of medical

20 information, and the consumer has the right to have that

21 information disclosed to the health care provider of the

22 consumer's choice. Nothing in this chapter prevents, or authorizes

23 a consumer reporting agency to prevent, the health care provider

24 from disclosing the medical information to the consumer. The

25 agency shall inform the consumer of the right to disclosure of

26 medical information at the time the consumer requests disclosure

27 of his or her file.

28 (2) All items of information in its files on that consumer,

29 including disclosure of the sources of the information, except

30 that sources of information acquired solely for use in an

31 investigative report may only be disclosed to a plaintiff under

32 appropriate discovery procedures.

33 (3) Identification of (a) each person who for employment

34 purposes within the two-year period before the request, and (b)

35 each person who for any other purpose within the six-month period

36 before the request, procured a consumer report.

37 (4) A record identifying all inquiries received by the agency

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_1 in the six-month period before the request that identified the

_2 consumer in connection with a credit transaction that is not

_3 initiated by the consumer.

_4 (5) An identification of a person under subsection (3) or (4)

_5 of this section must include (a) the name of the person or, if

_6 applicable, the trade name under which the person conducts

_7 business; and (b) upon request of the consumer, the address of the

_8 person.

_9 (6)(a) A credit score with an explanation consisting of a

10 decoded written version of the score.

11 (b) A copy of the following notice, which shall include the

12 name, address, and telephone number of each credit bureau

13 providing a credit score that was used:

15 NOTICE TO THE HOME LOAN APPLICANT

16 In connection with your application for a home loan, the lender

17 must disclose to you the score that a credit bureau distributed to

18 users and the lender used in connection with your home loan, and

19 the key factors affecting your credit scores.

20 The credit score is a computer-generated summary calculated at

21 the time of the request and based on information a credit bureau

22 or lender has on file. The scores are based on data about your

23 credit history and payment patterns. Credit scores are important

24 because they are used to assist the lender in determining whether

25 you will obtain a loan. They may also be used to determine what

26 interest rate you may be offered on the mortgage. Credit scores can

27 change over time, depending on your conduct, how your credit

28 history and payment patterns change, and how credit scoring

29 technologies change.

30 Because the score is based on information in your credit

31 history, it is very important that you review the credit-related

32 information that is being furnished to make sure it is

33 accurate. Credit records may vary from one company to another.

34 If you have questions about your credit score or the credit

35 information that is furnished to you, contact the credit bureau at

36 the address and telephone number provided with this notice, or

37 contact the lender, if the lender developed or generated the

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_1 credit score. The credit bureau plays no part in the decision to

_2 take any action on the loan application and is unable to provide

_3 you with specific reasons for the decision on a loan application.

_4 If you have questions concerning the terms of the loan, contact

_5 the lender.

_6 (c) This section shall not require any person to do the

_7 following:

_8 (i) Disclose any information other than a credit score or key

_9 factor, as defined in RCW 19.182.010;

10 (ii) Disclose any credit score or related information obtained

11 by the user after a loan has closed;

12 (iii) Provide more than one disclosure per loan transaction;

13 and

14 (iv) Provide the disclosure required by this section when

15 another person has made the disclosure to the consumer for that

16 loan transaction.

17 (d) Any person's obligation pursuant to this section shall be

18 limited solely to providing a copy of the information that was

19 received from the consumer reporting agency. No person has

20 liability under this section for the content of that information

21 or for the omission of any information within the report provided

22 by the consumer reporting agency.

23 (e) As used in this section, the term "person" does not include

24 an "enterprise" as defined in Section 4502(6) of Title 12 of the

25 United States Code.

26 Sec. 5. RCW 19.182.080 and 1993 c 476 s 10 are each amended to

27 read as follows:

28 (1) A consumer reporting agency shall make the disclosures

29 required under RCW 19.182.070 during normal business hours and on

30 reasonable notice.

31 (2) The consumer reporting agency shall make the disclosures

32 required under RCW 19.182.070 to the consumer:

33 (a) In person if the consumer appears in person and furnishes

34 proper identification;

35 (b) By telephone if the consumer has made a written request,

36 with proper identification, for telephone disclosure and the toll

37 charge, if any, for the telephone call is prepaid by or charged

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_1 directly to the consumer; or

_2 (c) By any other reasonable means that are available to the

_3 consumer reporting agency if that means is authorized by the

_4 consumer.

_5 (3) A consumer reporting agency shall provide trained personnel

_6 to explain to the consumer, information furnished to the consumer

_7 under RCW 19.182.070.

_8 (4) The consumer reporting agency shall permit the consumer to

_9 be accompanied by one other person of the consumer's choosing, who

10 shall furnish reasonable identification. A consumer reporting

11 agency may require the consumer to furnish a written statement

12 granting permission to the consumer reporting agency to discuss

13 the consumer's file in the other person's presence.

14 (5) If a credit score is provided by a consumer reporting

15 agency to a consumer, the agency shall provide an explanation of

16 the meaning of the credit score under RCW 19.182.070.

17 (6) Except as provided in RCW 19.182.150, no consumer may bring

18 an action or proceeding in the nature of defamation, invasion of

19 privacy, or negligence with respect to the reporting of

20 information against a consumer reporting agency or a user of

21 information, based on information disclosed under this section or

22 RCW 19.182.070, except as to false information furnished with

23 malice or willful intent to injure the consumer. Except as provided

24 in RCW 19.182.150, no consumer may bring an action or proceeding

25 against a person who provides information to a consumer reporting

26 agency in the nature of defamation, invasion of privacy, or

27 negligence for unintentional error.

28 (7)(a) A consumer reporting agency must provide to a consumer,

29 with each written disclosure by the agency to the consumer under

30 RCW 19.182.070, a written summary of all rights and remedies the

31 consumer has under this chapter.

32 (b) The summary of the rights and remedies of consumers under

33 this chapter must include:

34 (i) A brief description of this chapter and all rights and

35 remedies of consumers under this chapter;

36 (ii) An explanation of how the consumer may exercise the rights

37 and remedies of the consumer under this chapter; and

38 (iii) A list of all state agencies, including the attorney

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_1 general's office, responsible for enforcing any provision of this

_2 chapter and the address, web site, and appropriate phone number of

_3 each such agency.

_4 Sec. 6. RCW 19.182.090 and 1993 c 476 s 11 are each amended to

_5 read as follows:

_6 (1) If the completeness or accuracy of an item of information

_7 contained in a consumer's file at a consumer reporting agency is

_8 disputed by the consumer and the consumer notifies the agency

_9 directly of the dispute, the agency shall reinvestigate without

10 charge and record the current status of the disputed information

11 before the end of thirty business days, beginning on the date the

12 agency receives the notice from the consumer.

13 (2) Before the end of the five business-day period beginning on

14 the date a consumer reporting agency receives notice of a dispute

15 from a consumer in accordance with subsection (1) of this section,

16 the agency shall notify any person who provided an item of

17 information in dispute.

18 (3)(a) Notwithstanding subsection (1) of this section, a

19 consumer reporting agency may terminate a reinvestigation of

20 information disputed by a consumer under subsection (1) of this

21 section if the agency determines that the dispute by the consumer

22 is frivolous or irrelevant, including by reason of a failure of

23 the consumer to provide sufficient information.

24 (b) Upon making a determination in accordance with (a) of this

25 subsection that a dispute is frivolous or irrelevant, a consumer

26 reporting agency shall notify the consumer within five business

27 days of the determination. The notice shall be made in writing or

28 any other means authorized by the consumer that are available to

29 the agency, but the notice shall include the reasons for the

30 determination and a notice of the consumer's rights under

31 subsection (6) of this section.

32 (4) In conducting a reinvestigation under subsection (1) of

33 this section with respect to disputed information in the file of

34 any consumer, the consumer reporting agency shall review and

35 consider all relevant information submitted by the consumer in the

36 period described in subsection (1) of this section with respect to

37 the disputed information.

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_1 (5)(a) If, after a reinvestigation under subsection (1) of this

_2 section of information disputed by a consumer, the information is

_3 found to be inaccurate or cannot be verified, the consumer

_4 reporting agency shall promptly delete the information from the

_5 consumer's file.

_6 (b)(i) If information is deleted from a consumer's file under

_7 (a) of this subsection, the information may not be reinserted in

_8 the file after the deletion unless the person who furnishes the

_9 information verifies that the information is complete and

10 accurate.

11 (ii) If information that has been deleted from a consumer's

12 file under (a) of this subsection is reinserted in the file in

13 accordance with (b)(i) of this subsection, the consumer reporting

14 agency shall notify the consumer of the reinsertion within thirty

15 business days. The notice shall be in writing or any other means

16 authorized by the consumer that are available to the agency.

17 (6) If the reinvestigation does not resolve the dispute or if

18 the consumer reporting agency determines the dispute is frivolous

19 or irrelevant, the consumer may file a brief statement setting

20 forth the nature of the dispute. The consumer reporting agency may

21 limit these statements to not more than one hundred words if it

22 provides the consumer with assistance in writing a clear summary

23 of the dispute.

24 (7) After the deletion of information from a consumer's file

25 under this section or after the filing of a statement of dispute

26 under subsection (6) of this section, the consumer reporting

27 agency shall, at the request of the consumer, furnish notification

28 that the item of information has been deleted or that item of

29 information is disputed. In the case of disputed information, the

30 notification shall include the statement filed under subsection

31 (6) of this section. The notification shall be furnished to any

32 person specifically designated by the consumer, who has, within

33 two years before the deletion or filing of a dispute, received a

34 consumer report concerning the consumer for employment purposes,

35 or who has, within six months of the deletion or the filing of the

36 dispute, received a consumer report concerning the consumer for

37 any other purpose, if these consumer reports contained the deleted

38 or disputed information.

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_1 (8)(a) Upon completion of the reinvestigation under this

_2 section, a consumer reporting agency shall provide notice, in

_3 writing or by any other means authorized by the consumer, of the

_4 results of a reinvestigation within five business days.

_5 (b) The notice required under (a) of this subsection must

_6 include:

_7 (i) A statement that the reinvestigation is completed;

_8 (ii) A consumer report that is based upon the consumer's file

_9 as that file is revised as a result of the reinvestigation;

10 (iii) A description or indication of any changes made in the

11 consumer report as a result of those revisions to the consumer's

12 file;

13 (iv) If requested by the consumer, a description of the

14 procedure used to determine the accuracy and completeness of the

15 information shall be provided to the consumer by the agency,

16 including the name, business address, and telephone number of any

17 person contacted in connection with the information;

18 (v) If the reinvestigation does not resolve the dispute, a

19 summary of the consumer's right to file a brief statement as

20 provided in subsection (6) of this section; and

21 (vi) If information is deleted or disputed after

22 reinvestigation, a summary of the consumer's right to request

23 notification to persons who have received a consumer report as

24 provided in subsection (7) of this section.

25 (9) In the case of a consumer reporting agency that compiles

26 and maintains consumer reports and credit scores on a nationwide

27 basis, the consumer reporting agency must provide to a consumer

28 who has undertaken to dispute the information contained in his or

29 her file a toll-free telephone number and a web site address that

30 the consumer can use to communicate with the agency. A consumer

31 reporting agency that provides a toll-free number and a web site

32 address required by this subsection shall also provide adequately

33 trained personnel to answer basic inquiries from consumers using

34 the toll-free number and web site.

35 Sec. 7. RCW 19.182.100 and 1993 c 476 s 12 are each amended to

36 read as follows:

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_1 (1) Except as provided in subsections (2) and (3) of this

_2 section, a consumer reporting agency may charge the following fees

_3 to the consumer:

_4 (a) For making a disclosure under RCW 19.182.070 and

_5 19.182.080, the consumer reporting agency may charge a fee not

_6 exceeding eight dollars. Beginning January 1, 1995, the eight-

_7 dollar charge may be adjusted on January 1st of each year based on

_8 corresponding changes in the consumer price index with fractional

_9 changes rounded to the nearest half dollar except that, in the

10 case of disclosure of a credit score, the consumer reporting

11 agency may exceed the statutory charge by a reasonable amount.

12 (b) For furnishing a notification, statement, or summary to a

13 person under RCW 19.182.090(7), the consumer reporting agency may

14 charge a fee not exceeding the charge that the agency would impose

15 on each designated recipient for a consumer report. The amount of

16 any charge must be disclosed to the consumer before furnishing the

17 information.

18 (2) A consumer reporting agency shall make all disclosures

19 under RCW 19.182.070 and 19.182.080 and furnish all consumer

20 reports under RCW 19.182.090 without charge, if requested by the

21 consumer within sixty days after receipt by the consumer of a

22 notification of adverse action under RCW 19.182.110 or of a

23 notification from a debt collection agency affiliated with that

24 consumer reporting agency stating that the consumer's credit

25 rating may be or has been adversely affected.

26 (3) A consumer reporting agency shall not impose any charge for

27 (a) providing notice to a consumer required under RCW 19.182.090,

28 or (b) notifying a person under RCW 19.182.090(7) of the deletion

29 of information that is found to be inaccurate or that can no

30 longer be verified, if the consumer designates that person to the

31 agency before the end of the thirty-day period beginning on the

32 date of notice under RCW 19.182.090(8).

33 Sec. 8. RCW 19.182.110 and 1993 c 476 s 13 are each amended to

34 read as follows:

35 If a person takes an adverse action with respect to a consumer

36 that is based, in whole or in part, on information contained in a

37 consumer report or credit score, the person shall:

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_1 (1) Provide written notice of the adverse action to the

_2 consumer, except verbal notice may be given by a person in an

_3 adverse action involving a business regulated by the Washington

_4 utilities and transportation commission or involving an

_5 application for the rental or leasing of residential real estate

_6 if such verbal notice does not impair a consumer's ability to

_7 obtain a credit report without charge under RCW 19.182.100(2); and

_8 (2) Provide the consumer with the name, address, and telephone

_9 number of the consumer reporting agency that furnished the report

10 to the person.

‑‑‑ END ‑‑‑

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