Sec. 102. Consumer awareness of dispute rights
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Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) is amended by adding at the end the following new subsection: Not later than 180 days after the date of enactment of this subsection, each consumer reporting agency described under subsection
(p)or
(x)of section 603 shall— establish an Internet website accessible to consumers; and post on the home page of such website a hyperlink to a separate webpage established and maintained solely for the purpose of providing information to a consumer about how to dispute an item of information in the consumer report of the consumer. For a consumer reporting agency described under subsection
(p)or
(x)of section 603, the separate dispute webpage described in paragraph (1)(B)— may not include any type or form of marketing, advertising, information, or material associated with any products or services offered or sold to consumers; shall clearly and conspicuously disclose a concise statement regarding how to file a dispute through the agency, free of charge, in the manner and format prescribed by the Bureau; shall describe the types of documents that will be used by the agency in resolving the dispute, including the business name and mailing address to which a consumer may send such documents; shall include a clear and concise explanation of and the process for using electronic or other means to submit such documents, free of charge, and without any character or data limitation imposed by the agency; shall include a statement that the consumer may submit information, free of charge, that the consumer believes will assist the consumer reporting agency in determining the results of the reinvestigation of the dispute; shall clearly and conspicuously disclose a statement describing the procedure likely to be used by the consumer reporting agency in carrying out a reinvestigation to determine the accuracy or completeness of the disputed item of information, including the time period in which the consumer will be notified of the results of the reinvestigation, and a statement that the agency may extend the reinvestigation period by an additional 15 days if the consumer submits additional information after a certain date; and shall provide translations of all information on the webpage in each of the 10 most commonly spoken languages, other than English, in the United States, as determined by the Bureau of the Census on an ongoing basis, and in formats accessible to individuals with hearing or vision impairments. .
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Sec. 102
Consumer awareness of dispute rights
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