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MAINE STATUTES AND CODES
10 §1321. Prohibited information, accuracy of information in reports
Title 10: COMMERCE AND TRADE
Part 3: REGULATION OF TRADE
Chapter 210: FAIR CREDIT REPORTING ACT
§1321. Prohibited information, accuracy of information in reports
1. Procedures to avoid violations. Every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 1313-A. These procedures must require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1313-A.
[ 1997, c. 155, Pt. B, §11 (AMD); 1997, c. 155, Pt. B, §13 (AFF) .]
2. Accuracy. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and refrain from reporting inaccurate information and information which cannot be verified, unless efforts to verify the information are also contained in the report.
[ 1981, c. 610, §12 (RPR) .]
3. Listing of denial of credit prohibited in certain situations. No consumer reporting agency may issue a consumer report which lists a person as having been denied credit if the sole reason for that denial is lack of sufficient information to grant credit, unless the report states that the denial was for that reason.
[ 1981, c. 610, §12 (RPR) .]
SECTION HISTORY
1977, c. 514, (NEW). 1977, c. 677, §§11,12 (AMD). 1981, c. 610, §12 (RPR). 1997, c. 155, §B11 (AMD). 1997, c. 155, §B13 (AFF).