Section 14-1206 – Disclosures to Consumer Required; Deletions
(a) A consumer reporting agency shall, upon request and proper identification of a consumer, provide the consumer: (1) An exact copy of any file on that consumer except any part of the file which contains medical information; (2) A written explanation of codes or trade language used; (3) A description of the rights of the consumer under this subtitle; […]
Section 14-1207 – Conditions of Disclosure of Consumer’s File
(a) A consumer reporting agency shall make the disclosures required under § 14–1206(a) of this subtitle during normal business hours and on reasonable notice. (b) The disclosures required under § 14–1206(a) of this subtitle shall be made to the consumer: (1) In person if he appears in person and furnishes proper identification; (2) By telephone if he has made […]
Section 14-1208 – Procedure in Case of Disputed Accuracy
(a) (1) If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and the dispute is directly conveyed to the consumer reporting agency in writing by the consumer, the consumer reporting agency shall within 30 days reinvestigate and record the current status of that information unless it has […]
Section 14-1209 – Fees for Disclosures
(a) Notwithstanding the provisions of subsection (b) of this section, a consumer reporting agency may not impose a fee for: (1) A consumer report provided under § 14-1206(a) of this subtitle one time during a 12-month period; (2) A consumer report or disclosure provided under §§ 14-1206(a) and 14-1208(e) of this subtitle if the consumer makes a request […]
Section 14-1210 – Public Record Information for Employment Purposes
A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer’s ability to obtain employment shall: (1) At the time public record information is reported […]
Section 14-1211 – Restrictions on Subsequent Use of Adverse Information in Investigative Consumer Reports
Whenever a consumer reporting agency prepares an investigative consumer report, any adverse information in the consumer report (other than information which is a matter of public record) may not be included in a subsequent consumer report unless the adverse information has been verified in the process of making the subsequent consumer report or the adverse […]
Section 14-1212 – Duty of User of Consumer Report to Notify Consumer
(a) Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied or the charge for credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against […]
Section 14-1107 – Rights and Remedies of Seller Upon Default Under Special Order Transaction
If the buyer defaults under a special order transaction, the seller may exercise all rights and remedies available at either law or equity, including those rights and remedies as provided in the Uniform Commercial Code, Title 2 “Sales,” Subtitle 7 “Remedies,” of this article.
Section 14-1212.1 – Security Freeze by Consumer
(a) (1) In this section the following words have the meanings indicated. (2) “Account review” includes activities related to account maintenance, account monitoring, credit line increases, and account upgrades and enhancements. (3) “Security freeze” means a restriction placed on a consumer’s consumer report at the request of the consumer that prohibits a consumer reporting agency from releasing the consumer’s […]
Section 14-1108 – Retail Installment Sales Act Inapplicable
The Retail Installment Sales Act, Title 12, Subtitle 6 of this article, does not apply to any sale of consumer goods regulated by this subtitle.