19.182.180 – Security freeze—Changes to information—Written confirmation required.
RCW 19.182.180 Security freeze—Changes to information—Written confirmation required. If a security freeze is in place, a consumer reporting agency may not change any of the following official information in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days of the change being posted to the consumer’s […]
19.182.190 – Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies.
RCW 19.182.190 Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies. A consumer reporting agency is not required to place a security freeze in a consumer credit report under RCW 19.182.170 if it acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting […]
19.182.100 – Consumer reporting agency—Consumer fees and charges for required information—Exceptions.
RCW 19.182.100 Consumer reporting agency—Consumer fees and charges for required information—Exceptions. (1) Except as provided in subsections (2) and (3) of this section, a consumer reporting agency may charge the following fees to the consumer: (a) For making a disclosure under RCW 19.182.070 and 19.182.080, the consumer reporting agency may charge a fee not exceeding […]
19.182.110 – Adverse action based on report—Procedure—Notice.
RCW 19.182.110 Adverse action based on report—Procedure—Notice. If a person takes an adverse action with respect to a consumer that is based, in whole or in part, on information contained in a consumer report, the person shall: (1) Provide written notice of the adverse action to the consumer, except verbal notice may be given by […]
19.182.120 – Limitation on action—Exception.
RCW 19.182.120 Limitation on action—Exception. An action to enforce a liability created under this chapter is permanently barred unless commenced within two years after the cause of action accrues, except that where a defendant has materially and willfully misrepresented information required under this chapter to be disclosed to an individual and the information so misrepresented […]
19.182.130 – Obtaining information under false pretenses—Penalty.
RCW 19.182.130 Obtaining information under false pretenses—Penalty. A person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses is subject to a fine of up to five thousand dollars or imprisonment for up to three hundred sixty-four days, or both. [ 2011 c 96 § 21; 1993 […]
19.182.140 – Provision of information to unauthorized person—Penalty.
RCW 19.182.140 Provision of information to unauthorized person—Penalty. An officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency’s files to a person not authorized to receive that information is subject to a fine of up to five thousand dollars or imprisonment for up to […]
19.182.005 – Findings—Declaration.
RCW 19.182.005 Findings—Declaration. The legislature finds and declares that consumers have a vital interest in establishing and maintaining creditworthiness. The legislature further finds that an elaborate mechanism using credit reports has developed for investigating and evaluating a consumer’s creditworthiness, credit capacity, and general reputation and character. As such, credit reports are used for evaluating credit […]
19.182.010 – Definitions.
RCW 19.182.010 Definitions. Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter. (1)(a) “Adverse action” includes: (i) Denial of, increase in any charge for, or reduction in the amount of insurance for personal, family, or household purposes; (ii) Denial of employment or any other decision for employment purposes that […]
19.182.020 – Consumer report—Furnishing—Procuring.
RCW 19.182.020 Consumer report—Furnishing—Procuring. (1) A consumer reporting agency may furnish a consumer report only under the following circumstances: (a) In response to the order of a court having jurisdiction to issue the order; (b) In accordance with the written instructions of the consumer to whom it relates; or (c) To a person that the […]