44-1691. Definitions In this chapter, unless the context otherwise requires: 1. " Consumer" means an individual. 2. " Consumer reporting agency" means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information on consumers for […]
44-1692. Permissible use of consumer reports A. Except as provided in section 44-1693, a consumer reporting agency may furnish a consumer report only 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 […]
44-1693. Access to reports by a consumer A. Upon furnishing adequate credentials by a consumer as to his identity: 1. A creditor who denies credit to any consumer shall disclose to such consumer the name and address of any consumer reporting agency which has furnished such creditor with a consumer report on such consumer which […]
44-1694. Correction of credit reports A. If any consumer disputes the accuracy of any item in the consumer’s records with any consumer reporting agency, the consumer may give notice in writing to the consumer reporting agency specifying in what manner the report is inaccurate and the consumer reporting agency shall reinvestigate the inaccuracy at no […]
44-1695. Liability A. A consumer reporting agency or information source is not liable to any consumer resulting from: 1. Reporting inaccurate information corrected in compliance with sections 44-1694 and 44-1698 except as provided in this section. 2. Failing to lift a security freeze pursuant to section 44-1698, subsection G. B. A consumer reporting agency is […]
44-1696. Unlawful acts; classification A. Any person who requests or obtains a consumer report from a consumer reporting agency under false pretenses or furnishes a consumer report to any person except as prescribed by this article or any employee of a consumer reporting agency who knowingly falsifies a consumer report or any records relating thereto […]
44-1697. Fair credit reporting A. If a consumer makes a payment on a credit or loan account to the proper address to which the payment should be directed, a person shall calculate the number of days by which an account is delinquent by determining the number of days between the scheduled due date of the […]
44-1698. Security freeze on credit reports and credit scores; fees prohibited; definitions A. A consumer may request in writing or in a form acceptable to the consumer reporting agency that a consumer reporting agency place a security freeze on the consumer’s credit report. If a security freeze is in place, a consumer reporting agency shall […]
44-1698.01. Consumer credit reports; extension of credit; identity theft; definition A. Any person who does not use a consumer credit report in connection with the approval of credit based on the application for an extension of credit shall not lend money or extend credit without taking reasonable steps to verify the consumer’s identity and confirm […]
44-1698.02. Security freezes; credit reports; protected person; fee prohibited; definitions A. A consumer reporting agency shall place a security freeze on a protected person’s record or credit report if both of the following apply: 1. The consumer reporting agency receives a request from the protected person’s representative for the placement of the security freeze. 2. […]
