Page:United States Statutes at Large Volume 110 Part 4.djvu/603

 PUBLIC LAW 104-208—SEPT. 30, 1996 110 STAT. 3009-440 shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. " (B) PROVISION OF OTHER INFORMATION FROM CONSUMER.— The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph (A) and before the end of the period referred to in paragraph (1)(A). " (3) DETERMINATION THAT DISPUTE IS FRIVOLOUS OR IRRELE- VANT.— "(A) IN GENERAL. —Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. " (B) NOTICE OF DETERMINATION.—Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. "(C) CONTENTS OF NOTICE. —^A notice under subparagraph (B) shall include— "(i) the reasons for the determination under subparagraph (A); and "(ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. " (4) CONSIDERATION OF CONSUMER INFORMATION.— In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. " (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMA- TION.— "(A) IN GENERAL. —I f, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation. " (B) REQUIREMENTS RELATING TO REINSERTION OF PRE- VIOUSLY DELETED MATERIAL. — " (i) CERTIFICATION OF ACCURACY OF INFORMA- TION.— If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may

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