Compiled February, 2014
Our review of the annotated history for Title 15, United States Code section 1681i reveals the following legislative history. Each public law (hereinafter referred to as Pub.L.) represents a separate congressional enactment or bill.
Added: Pub.L. 90–321, title VI, § 611, as added Pub.L. 91–508, title VI, § 601, October 26, 1970, 84 Stat. 1132
Amended:
• Pub.L. 104–208, div. A, title II, § 2409, September 30, 1996, 110 Stat. 3009–439: Subsec. (a). Pub.L. 104–208, § 2409(a), inserted heading and amended text of subsec. (a) generally. Prior to amendment, text read as follows: “If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. The presence of contradictory information in the consumer’s file does not in and of itself constitute reasonable grounds for believing the dispute is frivolous or irrelevant.” Subsec. (d). Pub. L. 104–208, §2409(b), struck out at end “The consumer reporting agency shall clearly and conspicuously disclose to the consumer his rights to make such a request. Such disclosure shall be made at or prior to the time the information is deleted or the consumer’s statement regarding the disputed information is received.”
• Pub.L. 105–347, § 6(5), November 2, 1998, 112 Stat. 3211: Subsec. (a)(7). Pub.L. 105–347 substituted “(6)(B)(iii)” for “(6)(B)(iv)”.
• Pub.L. 108–159, title III, §§ 313(a), 314(a), 316, 317, December 4, 2003, 117 Stat. 1994–1996, 1998: Subsec. (a)(1)(A). Pub.L. 108–159, § 317, substituted “shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate” for “shall reinvestigate free of charge”. Pub.L. 108–159, § 316(a)(1), substituted “Subject to subsection (f) of this section, if the completeness” for “If the completeness” and inserted “, or indirectly through a reseller,” after “notifies the agency directly” and “or reseller” before period at end. Subsec. (a)(2)(A). Pub.L. 108–159, § 316(a)(2), inserted “or a reseller” after “dispute from any consumer” and “or reseller” before period at end. Subsec. (a)(2)(B). Pub.L. 108–159, § 316(c), struck out “from consumer” after “information” in heading. Pub.L. 108–159, § 316(a)(3), inserted “or the reseller” after “from the consumer”. Subsec. (a)(5)(A). Pub.L. 108–159, § 314(a), substituted “shall-” and cls. (i) and (ii) for “shall promptly delete that item of information from the consumer’s file or modify that item of information, as appropriate, based on the results of the reinvestigation.” Subsec. (e). Pub.L. 108–159, § 313(a), added subsec. (e). Subsec. (f). Pub.L. 108–159, § 316(b), added subsec. (f).
• Pub.L. 111–203, title X, § 1088(a)(2)(C), (6), July 21, 2010, 124 Stat. 2087: Subsec. (e)(2). Pub.L. 111–203, § 1088(a)(6), added par. (2) and struck out former par. (2) which read as follows: “Complaints received or obtained by the Commission pursuant to its investigative authority under the Federal Trade Commission Act shall not be subject to paragraph (1).”
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