Fair Credit Reporting Act
Washington · Business Regulations—Miscellaneous · §§ 19.182.005 to 19.182.902 · 27 sections
Overview
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.
In the courts
Sections of this act have been cited in 16 court decisions.
Most-cited authority: 187 WASHAPP 841 - Handlin v. On-Site Manager, Inc.
Sections covered
- RCW 19.182.005Findings—Declaration.3 cites
- RCW 19.182.010Definitions.2 cites
- RCW 19.182.020Consumer report—Furnishing—Procuring.
- RCW 19.182.030Consumer report—Credit action not initiated by consumer—Exclusion by consumer.
- RCW 19.182.040Consumer report—Prohibited information—Exceptions.1 cite
- RCW 19.182.050Investigative consumer report—Procurement, preparation—Disclosure—Use—Liability—Record.
- RCW 19.182.060Consumer report—Procedures for compliance—Information for governmental agency—Record.
- RCW 19.182.070Disclosures to consumer.3 cites
- RCW 19.182.080Disclosures to consumer—Procedures.3 cites
- RCW 19.182.090Consumer file—Dispute—Procedure—Notice—Statement of dispute—Toll-free information number.1 cite
- RCW 19.182.100Consumer reporting agency—Consumer fees and charges for required information—Exceptions.
- RCW 19.182.110Adverse action based on report—Procedure—Notice.
- RCW 19.182.120Limitation on action—Exception.1 cite
- RCW 19.182.130Obtaining information under false pretenses—Penalty.
- RCW 19.182.140Provision of information to unauthorized person—Penalty.
- RCW 19.182.150Application of consumer protection act—Limitation—Awards—Penalties—Attorneys' fees.2 cites
- RCW 19.182.160Block of information appearing as result of identity theft.
- RCW 19.182.170Victim of identity theft—Security freeze.
- RCW 19.182.180Security freeze—Changes to information—Written confirmation required.
- RCW 19.182.190Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies.
- RCW 19.182.200Security freeze—Exempt entities.
- RCW 19.182.210Information furnished to a governmental agency.
- RCW 19.182.220Security freeze—Protected consumers—Definitions.
- RCW 19.182.230Security freeze—Protected consumers—Placement and removal—Fees—Exceptions.
- RCW 19.182.800Report on credit freezes.
- RCW 19.182.900Short title—1993 c 476.
- RCW 19.182.902Effective date—1993 c 476.
Enacted in other states
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