31-3-128. through 31-3-130 reserved
31-3-128 through 31-3-130 reserved.
31-3-131. Requirements on users of consumer reports
31-3-131. Requirements on users of consumer reports. (1) Whenever credit or insurance for personal, family, or household purposes or employment involving a consumer is denied or the charge for the 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 […]
31-3-132. Block of information on credit report
31-3-132. Block of information on credit report. (1) Within 30 days after a consumer reporting agency receives from a consumer a complaint of identity theft and documentation as provided in subsection (2), the consumer reporting agency shall permanently block any information that the consumer identifies from the consumer’s report that resulted from identity theft as defined […]
31-3-133. through 31-3-140 reserved
31-3-133 through 31-3-140 reserved.
31-3-141. Actions available to consumer
31-3-141. Actions available to consumer. (1) A consumer may bring action in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any person who fails to comply with this part. (2) A person who fails to delete information or incorporate into a report a consumer’s statement of dispute because […]
31-3-142. Civil liability for willful noncompliance
31-3-142. Civil liability for willful noncompliance. Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this part with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) any actual damages sustained by the consumer as a result of the […]
31-3-143. Civil liability for negligent noncompliance
31-3-143. Civil liability for negligent noncompliance. Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this part with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) any actual damages sustained by the consumer as a result […]
31-3-123. Conditions of disclosure to consumer
31-3-123. Conditions of disclosure to consumer. (1) A consumer reporting agency shall make the disclosures required under 31-3-122 during normal business hours and on reasonable notice. (2) The disclosures required under 31-3-122 must be made to the consumer: (a) in person if the consumer appears in person and furnishes proper identification; or (b) by telephone if the consumer has […]
31-3-124. Procedure in case of disputed accuracy
31-3-124. Procedure in case of disputed accuracy. (1) If the completeness or accuracy of any item of information contained in this file is disputed by a consumer and the dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the […]
31-3-111. Permissible purposes of reports
31-3-111. Permissible purposes of reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) in response to the order of a court having jurisdiction to issue such an order; (2) in accordance with the written instructions of the consumer to whom it relates; (3) to a person which it has reason […]