Page:United States Statutes at Large Volume 117.djvu/1990

 PUBLIC LAW 108–159—DEC. 4, 2003

117 STAT. 1971

‘‘(B) CONTENT OF SUMMARY.—The summary of rights prepared under subparagraph (A) shall include a description of— ‘‘(i) the right of a consumer to obtain a copy of a consumer report under subsection (a) from each consumer reporting agency; ‘‘(ii) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612; ‘‘(iii) the right of a consumer to dispute information in the file of the consumer under section 611; ‘‘(iv) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score; ‘‘(v) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency without charge, as provided in the regulations of the Commission prescribed under section 211(c) of the Fair and Accurate Credit Transactions Act of 2003; and ‘‘(vi) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency described in section 603(w), as provided in the regulations of the Commission prescribed under section 612(a)(1)(C). ‘‘(C) AVAILABILITY OF SUMMARY OF RIGHTS.—The Commission shall— ‘‘(i) actively publicize the availability of the summary of rights prepared under this paragraph; ‘‘(ii) conspicuously post on its Internet website the availability of such summary of rights; and ‘‘(iii) promptly make such summary of rights available to consumers, on request. ‘‘(2) SUMMARY OF RIGHTS REQUIRED TO BE INCLUDED WITH AGENCY DISCLOSURES.—A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section— ‘‘(A) the summary of rights prepared by the Commission under paragraph (1); ‘‘(B) in the case of a consumer reporting agency described in section 603(p), a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours; ‘‘(C) a list of all Federal agencies responsible for enforcing any provision of this title, and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency; ‘‘(D) a statement that the consumer may have additional rights under State law, and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general (or the equivalent thereof) to learn of those rights; and ‘‘(E) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified.’’.

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