Bill Text: GA HB197 | 2009-2010 | Regular Session | Introduced

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Bill Title: Consumer reporting agencies; identical report to consumer and creditor; require

Spectrum: Partisan Bill (Republican 1-0)

Status: (Introduced - Dead) 2009-01-30 - House Second Readers [HB197 Detail]

Download: Georgia-2009-HB197-Introduced.html

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09 LC 25 5368

House Bill 197

By: Representative Smith of the 113th

A BILL TO BE ENTITLED
AN ACT

To amend Code Section 10-1-393 of the Official Code of Georgia Annotated, relating to unfair or deceptive practices in consumer transactions, so as to require that consumer reporting agencies automatically provide a consumer the identical report provided to any person who makes an inquiry concerning the consumer's file with such agency; to provide for related matters; to repeal conflicting laws; and for other purposes.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:

SECTION 1.

Code Section 10-1-393 of the Official Code of Georgia Annotated, relating to unfair or deceptive practices in consumer transactions, is amended by revising paragraph (29) of subsection (b) as follows:

"(29) With respect to any consumer reporting agency:

(A) Any person who knowingly and willfully obtains information relative to a consumer from a consumer reporting agency under false pretenses shall be guilty of a misdemeanor;

(B) Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be guilty of a misdemeanor; and

(C) Each consumer reporting agency which compiles and maintains files on consumers on a nation-wide basis shall furnish to any consumer who has provided appropriate verification of his or her identity two complete consumer reports per calendar year, upon request and without charge; and

(D) Each consumer reporting agency which provides an individual consumer report in response to an inquiry from any person shall also automatically provide to that consumer within seven days the identical report provided to the inquirer, unless the consumer has provided written notice to the consumer reporting agency that he or she waives the right to receive the reports required by this subparagraph;"

SECTION 2.

All laws and parts of laws in conflict with this Act are repealed.