Washington Code 19.182.110 – Adverse action based on report — Procedure — Notice
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If a person takes an adverse action with respect to a consumer that is based, in whole or in part, on information contained in a consumer report, the person shall:
Terms Used In Washington Code 19.182.110
- 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: may be construed to include the United States, this state, or any state or territory, or any public or private corporation or limited liability company, as well as an individual. See Washington Code 1.16.080
(1) Provide written notice of the adverse action to the consumer, except verbal notice may be given by a person in an adverse action involving a business regulated by the Washington utilities and transportation commission if such verbal notice does not impair a consumer’s ability to obtain a credit report without charge under RCW 19.182.100(2); and
(2) Provide the consumer with the name, address, and telephone number of the consumer reporting agency that furnished the report to the person.
NOTES:
Finding—2012 c 41: See note following RCW 59.18.257.