The Vermont Statutes Online
Commerce and Trade
FAIR CREDIT REPORTING
For purposes of
"Consumer" means a natural person residing in this State.
report" means any written, oral, or other communication of any information
by a credit reporting agency bearing on a consumer's credit worthiness, credit
standing, credit capacity, character, general reputation, personal
characteristics, or mode of living, including an investigative credit report.
The term does not include:
(A) a report
containing information solely as to transactions or experiences between the
consumer and the person making the report; or
authorization or approval of a specific extension of credit directly or
indirectly by the issuer of a credit card or similar device.
reporting agency" or "agency" means any person which, for
monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in
whole or in part in the practice of assembling or evaluating consumer credit
information or other information on consumers for the purpose of reporting to
third parties on the credit rating or creditworthiness of any consumer.
"Identity theft" means the unauthorized use of another person's
personal identifying information to obtain credit, goods, services, money, or
credit report" means a report in which information on a consumer's
character, general reputation, personal characteristics, or mode of living is
obtained through personal interviews with neighbors, friends, or associates of
the consumer reported on or with others with whom the consumer is acquainted or
who may have knowledge concerning any such items of information. The term does
not include reports of specific factual information on a consumer's credit
record obtained directly from a creditor of the consumer or from a credit
reporting agency when such information was obtained directly from a creditor of
the consumer or from the consumer.
identification," as used in this subchapter, means that information
generally deemed sufficient to identify a person.
"Security freeze" means a notice placed in a credit report, at the
request of the consumer, pursuant to section 2480h of this title. (Added 1991,
No. 246 (Adj. Sess.), § 1; amended 2003, No. 155 (Adj. Sess.), § 1, eff. July
1, 2005; 2005, No. 211 (Adj. Sess.), § 1.)