§ 24-147. Disclosures to consumer - Applicability of disclosure requirements - Credit histories - Fees.

A.  Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer:

1.  The nature and substance of all information, except medical information, in its files on the consumer at the time of the request;

2.  The sources of the information, except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed.  Provided, in the event an action is brought under this act, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought; and

3.  The recipients of any consumer report on the consumer which it has furnished:

a.for employment purposes within the two-year period preceding the request, and

b.for any other purpose within the six-month period preceding the request.

B.  The requirements of subsection A of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this act, except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.

C.  All consumer reporting agencies, as such agencies are defined in the Federal Fair Credit Reporting Act, 15 U.S.C., Sections 1681 through 1681t, which operate offices in the State of Oklahoma shall allow any requesting person to receive his or her credit history.

D.  A consumer reporting agency shall make all disclosures and furnish all consumer reports without charge to the consumer if requested within thirty (30) days after receipt by such consumer of a notification from a debt collection agency affiliated with such consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected.  Otherwise, the consumer reporting agency may impose a reasonable charge on the consumer:

1.  For making disclosure to such consumer, the charge for which shall be indicated to the consumer prior to making disclosure; and

2.  For furnishing credit histories authorized in subsection C of this section, notifications, statements, summaries or codifications to persons designated by the consumer, the charge for which shall be indicated to the consumer prior to furnishing such information.

Provided, no charge may be made for notifying such persons of the deletion of information which is found to be inaccurate or which can no longer be verified.

Added by Laws 1987, c. 208, § 52, operative July 1, 1987 and Laws 1987, c. 236, § 78, emerg. eff. July 20, 1987.  Amended by Laws 1988, c. 196, § 5, operative July 1, 1988.