Sec. 3. Amendments to fair credit reporting act
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Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following: The term veteran has the meaning given the term in section 101 of title 38, United States Code. The term veteran’s medical debt means a debt of a veteran arising from hospital care or medical services, as those terms are defined in section 1701 of title 38, United States Code, provided in a non-Department of Veterans Affairs facility under the laws administered by the Secretary of Veterans Affairs, including under section 1703, 1712, 1712A, 1725, or 1728 of title 38, United States Code. .
Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following: Any information related to a veteran’s medical debt if the date on which the debt was placed for collection, charged to profit or loss, or subjected to any similar action antedates the report by less than 1 year. Any information related to a fully paid or settled veteran’s medical debt that had been characterized as delinquent, charged off, or in collection. . Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) is amended— in subsection (a)(1)(A), by inserting and except as provided in subsection
(g)after subsection
(f); and by adding at the end the following: With respect to a veteran's medical debt of a consumer, the consumer may submit a notice along with proof of liability of the Department of Veterans Affairs for payment of that debt to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the consumer. Not later than 30 days after the date on which a notice is received under paragraph (1), the consumer reporting agency shall delete information relating to the veteran’s medical debt from the file of the consumer and notify the furnisher and the consumer of that deletion. .
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