Oklahoma § 24-147 - Disclosures to consumer - Applicability of disclosure

§ 24-147. Disclosures to consumer - Applicability of disclosure

requirements - Credit histories - Fees.

A. Every consumer reporting agency shall, upon request and

proper identification of any consumer, clearly and accurately

disclose to the consumer:

1. The nature and substance of all information, except medical

information, in its files on the consumer at the time of the

request;

2. The sources of the information, except that the sources of

information acquired solely for use in preparing an investigative

consumer report and actually used for no other purpose need not be

disclosed. Provided, in the event an action is brought under this

act, such sources shall be available to the plaintiff under

appropriate discovery procedures in the court in which the action is

brought; and

3. The recipients of any consumer report on the consumer which

it has furnished:

a.

for employment purposes within the two-year period

preceding the request, and

b.

for any other purpose within the six-month period

preceding the request.

B. The requirements of subsection A of this section respecting

the disclosure of sources of information and the recipients of

consumer reports do not apply to information received or consumer

reports furnished prior to the effective date of this act, except to

the extent that the matter involved is contained in the files of the

consumer reporting agency on that date.

C. All consumer reporting agencies, as such agencies are

defined in the Federal Fair Credit Reporting Act, 15 U.S.C.,

Sections 1681 through 1681t, which operate offices in the State of

Oklahoma shall allow any requesting person to receive his or her

credit history.

D. A consumer reporting agency shall make all disclosures and

furnish all consumer reports without charge to the consumer if

requested within thirty (30) days after receipt by such consumer of

a notification from a debt collection agency affiliated with such

consumer reporting agency stating that the consumer's credit rating

Oklahoma Statutes - Title 24. Debtor and Creditor

may be or has been adversely affected. Otherwise, the consumer

reporting agency may impose a reasonable charge on the consumer:

1. For making disclosure to such consumer, the charge for which

shall be indicated to the consumer prior to making disclosure; and

2. For furnishing credit histories authorized in subsection C

of this section, notifications, statements, summaries or

codifications to persons designated by the consumer, the charge for

which shall be indicated to the consumer prior to furnishing such

information.

Provided, no charge may be made for notifying such persons of the

deletion of information which is found to be inaccurate or which can

no longer be verified.

Added by Laws 1987, c. 208, § 52, operative July 1, 1987 and Laws

1987, c. 236, § 78, emerg. eff. July 20, 1987. Amended by Laws

1988, c. 196, § 5, operative July 1, 1988.