New Jersey Fair Credit Reporting Act

The act regulates consumer reporting agencies and the credit, employment, and investigative reports they compile about individuals, restricting the purposes for which such reports may be furnished and barring the reporting of obsolete information. It gives consumers the right to obtain disclosure of their own files, to dispute inaccurate entries and have them reinvestigated, to be excluded from certain solicitation lists, and to place a security freeze limiting access to their reports, with additional protections for identity theft victims and for the files of deceased persons. Compliance is enforced through duties imposed on users of consumer reports, administrative enforcement, and private civil actions for willful or negligent violations, together with penalties for obtaining report information under false pretenses or disclosing it without authorization.

Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.