Title 15, Commerce and TradeRelease 119-102
§1681l Restrictions on Investigative Consumer Reports
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER III — CREDIT REPORTING AGENCIES › § 1681l
Summary
An agency must not reuse negative info from an investigative report in a later one unless verified or received within three months; public records allowed.
Full Legal Text
Title 15, §1681l
Commerce and Trade, Source: USLM XML via OLRC
Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Effective Date
Section effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, set out as a note under section 1681 of this title.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1681l
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102