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House Bill (S)

DIGEST

Use of Social Security numbers in credit files. Defines "Social Security number search request" (search request) as a request made by a consumer to a consumer reporting agency to conduct a search of all files maintained by the consumer reporting agency to determine if the consumer's Social Security number is associated with one or more consumer credit files not associated with the consumer. Requires each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis to, not later than January 1, 2020, develop and maintain procedures to do the following: (1) Enable a consumer to submit Use of Social Security numbers in credit files. Defines "Social Security number search request" (search request) as a request made by a consumer to a consumer reporting agency to conduct a search of all files maintained by the consumer reporting agency to determine if the consumer's Social Security number is associated with one or more consumer credit files not associated with the consumer. Requires each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis to, not later than January 1, 2020, develop and maintain procedures to do the following: (1) Enable a consumer to submit a search request to the consumer reporting agency through one or more secure means. (2) Enable the consumer reporting agency, upon receiving a search request, to: (A) verify that the Social Security number supplied by the consumer in connection with the request belongs to the consumer; (B) conduct a search of all files maintained by the consumer reporting agency to determine if the consumer's Social Security number is associated with one or more files not associated with the consumer; (C) include with the information provided to the consumer in connection with the consumer's request a statement as to whether the consumer's Social Security number is associated with one or more files other than the consumer's file and, if so, the number of such files; and (D) take all lawful and reasonable actions to remove the consumer's verified Social Security number from all other files not associated with the consumer. Provides that a consumer who receives notice from a consumer reporting agency that the results of a search performed for the consumer indicate that the consumer's Social Security number is associated with one (1) or more files not associated with the consumer: (1) may take any action authorized by law to further investigate the use of the consumer's Social Security number; (2) has all applicable rights and remedies available to the consumer under the federal Fair Credit Reporting Act; and (3) has all applicable rights and remedies available to the consumer under federal or state consumer protection laws and state criminal laws. Provides that a consumer reporting agency may not impose a fee for any service provided in connection with a consumer's search request if certain circumstances apply. Allows a consumer reporting agency to charge a reasonable fee, not exceeding $5 in total, for services provided in connection with a consumer's search request, if none of the circumstances apply with respect to the consumer's request. ... View more