10 §1315. Disclosures to consumers - Maine Statutes

Title 10: COMMERCE AND TRADE

Part 3: REGULATION OF TRADE

Chapter 210: FAIR CREDIT REPORTING ACT

§1315. Disclosures to consumers

1. Required disclosures. Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to that consumer:

A. All information in its files on the consumer at the time of the request, except that medical information, as defined in section 1312, subsection 8, may be withheld. The consumer shall be informed by the agency of the existence of any such medical information withheld and shall have a right to have that information disclosed to a licensed physician of his choice. Nothing in this chapter shall be construed to prevent, or to authorize any consumer reporting agency to prevent, such a physician from subsequently disclosing that information to the consumer to whom it relates. The agency shall inform the consumer of the consumer's right to disclosure of such withheld information at the time the consumer makes a request to inspect all files pursuant to this section. [1977, c. 677, §5 (AMD).]

B. All items of information in its files on that consumer except that the sources of information need not be disclosed. However, in the event an action is brought under this chapter such sources shall be available to the consumer under appropriate discovery procedures in the court in which the action is brought. [1977, c. 677, §5 (AMD).]

C. The names and addresses of the recipients of any consumer report or investigative consumer report on the consumer which it has furnished:

(1) For employment purposes within the 2-year period preceding the request; and

(2) For any other purpose within the 6-month period preceding the request. [1977, c. 677, §5 (AMD).]

D. The procedures adopted by the consumer reporting agency pursuant to section 1317 to enable a consumer to correct any inaccurate information contained in that consumer's consumer report. [2003, c. 118, §1 (NEW).]

[ 2003, c. 118, §1 (AMD) .]

2. Exceptions. The requirements of subsection 1 respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this chapter, except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.

[ 1977, c. 514, (NEW) .]

3. Agency compliance with request. A consumer reporting agency shall not require a consumer to do anything other than furnish identification in order that the consumer may have access to information required to be disclosed by subsection 1.

[ 1977, c. 514, (NEW) .]

SECTION HISTORY

1977, c. 514, (NEW). 1977, c. 677, §5 (AMD). 1979, c. 127, §59 (AMD). 2003, c. 118, §1 (AMD).