Rhode Island General Laws 6-13.1-29. Furnishing of credit reports
No credit bureau doing business in this state shall use all or part of a consumer’s social security number as the sole factor when determining whether a credit report in its files matches the identity of a person who is the subject of a credit inquiry from a user of credit reports. When a social security number is used as a factor, a credit bureau may disclose a credit report in its files to an inquiring user of credit reports only if the name also matches the identity of the person who is the subject of the inquiry.
History of Section.
P.L. 2012, ch. 404, § 1; P.L. 2012, ch. 412, § 1; P.L. 2014, ch. 528, § 10; P.L. 2022, ch. 344, § 1, effective June 29, 2022; P.L. 2022, ch. 345, § 1, effective June 29, 2022.
Terms Used In Rhode Island General Laws 6-13.1-29
- Credit bureau: An agency that collects individual credit information and sells it for a fee to creditors so they can make a decision on granting loans. Typical clients include banks, mortgage lenders, credit card companies, and other financing companies. (Also commonly referred to as consumer-reporting agency or credit-reporting agency.) Source: OCC
- Credit bureau: means any entity or person who or that, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing credit reports to third parties;
(2)(i) "Credit report" means any written, oral, or other communication of any information by a credit bureau bearing on a consumer's credit worthiness, credit standing, or credit capacity, that is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for:
(A) Credit or insurance to be used primarily for personal, family, or household purposes;
(B) Employment purposes; or
(C) Other purposes authorized under the federal Fair Credit Reporting Act, 15 U. See Rhode Island General Laws 6-13.1-20
- Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
- Person: means natural persons, corporations, trusts, partnerships, incorporated or unincorporated associations, and any other legal entity. See Rhode Island General Laws 6-13.1-1