15 U.S.C. § 1681L
Section 1681l · Restrictions on investigative consumer reports
Amended 1 time on record
Applied in 18 court decisions — leading case Koropoulos v. Credit Bureau, Inc. (1984)
Most recently applied in 118 F. Supp. 3d 867 - White v. Green Tree Servicing, LLC (August 2015)
Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.