Vermont § 2480a - Definitions As used in this subchapter and subchapter 10 of this chapter:

§ 2480a. Definitions As used in this subchapter and subchapter 10 of this chapter:

• (1) “Consumer” means a natural person other than a protected consumer. (2) “Consumer who is subject to a protected consumer security freeze” means a natural
  person: (A) for whom a credit reporting agency placed a security freeze under section 2480h of this title; and (B) who, on the day on which a request for the removal of the security freeze is submitted
  under section 2480h of this title, is not a protected consumer. (3) “Credit 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 (B) an authorization or approval of a specific extension of credit directly or indirectly
  by the issuer of a credit card or similar device. (4) “Credit reporting agency” or “agency” means a person who, for fees, dues, or on a
  cooperative basis, regularly engages in whole or in part in the practice of assembling
  or evaluating information concerning a consumer’s credit or other information for
  the purpose of furnishing a credit report to another person. (5) “File” shall have the same meaning as in 15 U.S.C. § 1681a. (6) “Identity theft” means the unauthorized use of another person’s personal identifying
  information to obtain credit, goods, services, money, or property. (7) “Incapacitated person” shall have the same meaning as in 14 V.S.A. § 3152. (8) “Investigative 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. (9)(A) “Personal information” means personally identifiable financial information: