Page:United States Statutes at Large Volume 110 Part 4.djvu/598

 110 STAT. 3009-435 PUBLIC LAW 104-208—SEPT. 30, 1996 information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.". (d) INDICATION OF CLOSURE OF ACCOUNT; INDICATION OF DIS- PUTE BY CONSUMER.— Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended by adding at the end the following new subsections: " (e) INDICATION OF CLOSURE OF ACCOUNT BY CONST TVIER. — If a consumer reporting agency is notified pursuant to section 623(a)(4) that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. "(f) INDICATION OF DISPUTE BY CONSUMER.—I f a consumer reporting agency is notified pursuant to section 623(a)(3) that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.". (e) CONFORMING AMENDMENTS. — (1) Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended in the section heading, by striking "OBSO- LETE INFORMATION" and inserting "REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS". (2) The table of sections for the Fair Credit Reporting Act (15 U.S.C. 1681a et seq.) is amended by striking the item relating to section 605 and inserting the following: "605. Requirements relating to information contained in consumer reports.". SEC. 2407. COMPLIANCE PROCEDURES. (a) DISCLOSURE OF CONSUMER REPORTS BY USERS. —Section 607 of the Fair Credit Reporting Act (15 U.S.C. 1681e) is amended by adding at the end the following new subsection: "(c) DISCLOSURE OF CONSUMER REPORTS BY USERS ALLOWED. — A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.". (b) NOTICE TO USERS AND PROVIDERS OF INFORMATION To ENSURE COMPLIANCE. —Section 607 of the Fair Credit Reporting Act (15 U.S.C. 1681e) is amended by adding after subsection (c) (as added by subsection (a) of this section) the following new subsection: "(d) NOTICE TO USERS AND FURNISHERS OF INFORMATION.— "(1) NOTICE REQUIREMENT.—^A consumer reporting agency shall provide to any person— "(A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or

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