TITLE 6
Commercial Law General Regulatory Provisions
CHAPTER 6-13.1
Deceptive Trade Practices
SECTION 6-13.1-23
§ 6-13.1-23 Disputed credit report.
(a) If the completeness or accuracy of any item of information contained in a
consumer's file is disputed by that consumer, and the dispute is directly
conveyed to the credit bureau by the consumer, the credit bureau shall within
thirty (30) calendar days reinvestigate 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 the reinvestigation that information is found
to be inaccurate or can no longer be verified, the credit bureau shall promptly
delete that 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.
(b) If the reinvestigation does not resolve the dispute, the
consumer may file a brief statement stating the nature of the dispute. The
credit bureau may limit statements of dispute to not more than one hundred
(100) words if it provides the consumer with assistance in writing a clear
summary of the dispute.
(c) Whenever a statement of dispute is filed, unless there is
reasonable grounds to believe that it is frivolous or irrelevant, the credit
bureau shall, in any subsequent consumer report containing the information in
question, clearly note that it is disputed by the consumer and provide either
the consumer's statement or a clear and accurate codification or summary of
that statement.
(d) Following any deletion or correction of information that
is found to be inaccurate or whose accuracy can no longer be verified or any
notation as to disputed information, the credit bureau shall properly furnish a
copy of the corrected credit report to the consumer at no charge, and at the
request of the consumer, furnish a copy of the corrected report to any person
specifically designated by the consumer who has within two (2) years prior
thereto received a credit report for employment purposes, or within six (6)
months received a credit report for any other purpose, that contained the
deleted, corrected, or disputed information. The credit bureau shall clearly
and conspicuously disclose to the consumer his rights to make that request. The
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.
History of Section.
(P.L. 1993, ch. 430, § 1; P.L. 2014, ch. 528, § 10.)
