07 LC 33
1635
House
Bill 196
By:
Representatives Smith of the
113th,
Roberts of the
154th,
and Rogers of the
26th
A
BILL TO BE ENTITLED
AN ACT
AN ACT
To
amend Code Section 10-1-393 of the Official Code of Georgia Annotated, relating
to unfair or deceptive practices in consumer transactions, so as to require that
consumer reporting agencies automatically provide a consumer the identical
report provided to a potential creditor who makes an inquiry concerning the
consumer´s file with such agency; to provide for related matters; to repeal
conflicting laws; and for other purposes.
BE
IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION
1.
Code
Section 10-1-393 of the Official Code of Georgia Annotated, relating to unfair
or deceptive practices in consumer transactions, is amended by revising
paragraph (29) of subsection (b) as follows:
"(29)
With respect to any consumer reporting agency:
(A)
Any person who knowingly and willfully obtains information relative to a
consumer from a consumer reporting agency under false pretenses shall be guilty
of a misdemeanor;
(B)
Any officer or employee of a consumer reporting agency who knowingly and
willfully provides information concerning an individual from the agency´s
files to a person not authorized to receive that information shall be guilty of
a misdemeanor;
and
(C)
Each consumer reporting agency which compiles and maintains files on consumers
on a nation-wide basis shall furnish to any consumer who has provided
appropriate verification of his or her identity two complete consumer reports
per calendar year, upon request and without charge;
and
(D)
Each consumer reporting agency which provides an individual consumer report in
response to an inquiry from a potential creditor shall also automatically
provide to that consumer within seven days the identical report provided to the
potential creditor;"
SECTION
2.
All
laws and parts of laws in conflict with this Act are repealed.