Section 610 of the Fair Credit Reporting Act (FCRA).
The Fair Credit Reporting Act - Section 610
610. Conditions and form of disclosure to consumers [15 U.S.C. 1681h]
(a) In general.
(1) Proper identification. A consumer reporting agency shall require, as a
condition of making the disclosures required under section 609 [1681g], that
the consumer furnish proper identification.
(2) Disclosure in writing. Except as provided in subsection (b), the disclosures
required to be made under section 609 [1681g] shall be provided under that
section in writing.
(b) Other forms of disclosure.
(1) In general. If authorized by a consumer, a consumer reporting agency may
make the disclosures required under 609 [1681g]
(A) other than in writing; and
(B) in such form as may be
(i) specified by the consumer in accordance with paragraph (2); and
(ii) available from the agency.
(2) Form. A consumer may specify pursuant to paragraph (1) that disclosures
under section 609 [1681g] shall be made
(A) in person, upon the appearance of the consumer at the place of business of
the consumer reporting agency where disclosures are regularly provided, during
normal business hours, and on reasonable notice;
(B) by telephone, if the consumer has made a written request for disclosure by
telephone;
(C) by electronic means, if available from the agency; or
(D) by any other reasonable means that is available from the agency.
(c) Trained personnel. Any consumer reporting agency shall provide trained
personnel to explain to the consumer any information furnished to him pursuant
to section 609 [1681g] of this title.
(d) Persons accompanying consumer. The consumer shall be permitted to be
accompanied by one other person of his choosing, who shall furnish reasonable
identification. A consumer reporting agency may require the consumer to furnish
a written statement granting permission to the consumer reporting agency to
discuss the consumer's file in such person's presence.
(e) Limitation of liability. Except as provided in sections 616 and 617 [§
1681n and 1681o] of this title, no consumer may bring any action or proceeding
in the nature of defamation, invasion of privacy, or negligence with respect to
the reporting of information against any consumer reporting agency, any user of
information, or any person who furnishes information to a consumer reporting
agency, based on information disclosed pursuant to section 609, 610, or 615 [§
1681g, 1681h, or 1681m] of this title or based on information disclosed by a
user of a consumer report to or for a consumer against whom the user has taken
adverse action, based in whole or in part on the report, except as to false
information furnished with malice or willful intent to injure such consumer.
