FCRA: Notice to Furnishers

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no-gutters py-md-2"> <div class="col-12"> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/i9-hq" class="d-block"> <div class="font-weight-bold">I-9 HQ™</div> <div class="subtext">Automate, audit, and transform your Form I-9 compliance process</div> </a> </div> <div class="dropdown-item font-weight-bold px-3"> <div class="text-uppercase text-light-gray">I-9 HQ Services</div> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/i-9-anywhere" class="d-block"> <div class="font-weight-bold">I-9 Anywhere®</div> <div class="subtext">Help get your I-9s done right and on time.</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/i-9-conversion" class="d-block"> <div class="font-weight-bold">I-9 Conversion</div> <div class="subtext">Transform your paper I-9s into electronic I-9s</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/i-9-audit-remediation" class="d-block"> <div class="font-weight-bold">I-9 Inspect®</div> <div class="subtext">Gain confidence in your I-9s with our automated audit</div> </a> </div> <a href="/solutions/peoplehq/" target="_self" class="media efx-callout p-3"> <img class="mr-3" src="https://assets.equifax.com/wfs/noun-community-204644.svg " alt="PeopleHQ™ Icon" /> <div class="media-body"> <div class="efx-callout__title">PeopleHQ™</div> <div class="efx-callout__text">Bringing together the human resources lifecycle in a single HR compliance platform.</div> </div> </a> </div> </div> </div> </div> </li> <li class="dropdown-sublevel dropdown-sublevel--2"> <a class="dropdown-item dropdown-sublevel__toggle p-3" href="#" role="button" aria-haspopup="true" aria-expanded="false"> <img class="mr-3 d-none d-lg-block" aria-hidden="true" src="https://assets.equifax.com/wfs/images/noun-medical-1070131.svg" alt="Meet ACA Requirements Page Icon" /> <span class="w-100 mr-3 font-weight-bold">Meet ACA Requirements</span> </a> <div class="dropdown-menu dropdown-sublevel__menu"> <div class="container p-0"> <div class="row no-gutters py-md-2"> <div class="col-12"> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/aca-hq" class="d-block"> <div class="font-weight-bold">ACA HQ™</div> <div class="subtext">Full-service ACA solution including Forms 1095 and 1094 reporting</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/aca-hq/aca-state-reporting" class="d-block"> <div class="font-weight-bold">ACA State Reporting</div> <div class="subtext">Better manage the complexities of state reporting mandates</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/aca-hq/aca-inspect" class="d-block"> <div class="font-weight-bold">ACA Inspect™</div> <div class="subtext">Help identify inaccuracies with your ACA reporting data</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/new-aca-regulations" class="d-block"> <div class="font-weight-bold">New ACA Regulations</div> <div class="subtext">Full-service ACA solution including Forms 1095 and 1094 reporting</div> </a> </div> <a href="/solutions/peoplehq/" target="_self" class="media efx-callout p-3"> <img class="mr-3" src="https://assets.equifax.com/wfs/noun-community-204644.svg " alt="PeopleHQ™ Icon" /> <div class="media-body"> <div class="efx-callout__title">PeopleHQ™</div> <div class="efx-callout__text">Bringing together the human resources lifecycle in a single HR compliance platform.</div> </div> </a> </div> </div> </div> </div> </li> <li class="dropdown-sublevel dropdown-sublevel--2"> <a class="dropdown-item dropdown-sublevel__toggle p-3" href="#" role="button" aria-haspopup="true" aria-expanded="false"> <img class="mr-3 d-none d-lg-block" aria-hidden="true" src="https://assets.equifax.com/wfs/images/noun-candidate-3860297.svg" alt="Provide Employee Benefits Page Icon" /> <span class="w-100 mr-3 font-weight-bold">Provide Employee Benefits</span> </a> <div class="dropdown-menu dropdown-sublevel__menu"> <div class="container p-0"> <div class="row no-gutters py-md-2"> <div class="col-12"> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/provide-employee-benefits" class="d-block"> <div class="font-weight-bold">Provide Employee Benefits</div> <div class="subtext">Provide your employees with benefits that can help power life’s important moments.</div> </a> </div> <div class="dropdown-item font-weight-bold px-3"> <div class="text-uppercase text-light-gray">Employee Benefit Solutions</div> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/identity-theft-protection" class="d-block"> <div class="font-weight-bold">Identity Theft Protection</div> <div class="subtext">Help your employees and their families fight identity fraud</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/immigration-case-management" class="d-block"> <div class="font-weight-bold">Immigration Case Management</div> <div class="subtext">Access all-in-one Immigration case management solutions</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/public-service-loan-forgiveness" class="d-block"> <div class="font-weight-bold">Public Service Loan Forgiveness</div> <div class="subtext">Help simplify the PSLF application process for your employees using The Work Number®</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/unemployment-claims-fraud-watch" class="d-block"> <div class="font-weight-bold">Unemployment Claims Fraud Watch</div> <div class="subtext">You and your employee's first line of defense against unemployment claims fraud</div> </a> </div> </div> </div> </div> </div> </li> <li class="dropdown-sublevel dropdown-sublevel--2"> <a class="dropdown-item dropdown-sublevel__toggle p-3" href="#" role="button" aria-haspopup="true" aria-expanded="false"> <img class="mr-3 d-none d-lg-block" aria-hidden="true" src="https://assets.equifax.com/wfs/noun-documents-5004324.svg" alt="Streamline HR Forms Page Icon" /> <span class="w-100 mr-3 font-weight-bold">Streamline HR Forms</span> </a> <div class="dropdown-menu dropdown-sublevel__menu"> <div class="container p-0"> <div class="row no-gutters py-md-2"> <div class="col-12"> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/streamline-hr-forms" class="d-block"> <div class="font-weight-bold">Streamline HR Forms</div> <div class="subtext">Help make life easier for your employees with greater accuracy.</div> </a> </div> <div class="dropdown-item font-weight-bold px-3"> <div class="text-uppercase text-light-gray">HR Form Solutions</div> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/forms-hq" class="d-block"> <div class="font-weight-bold">Forms HQ</div> <div class="subtext">Reduce paper clutter and disjointed systems to help transform your employee forms experience.</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/offboarding-forms" class="d-block"> <div class="font-weight-bold">Offboarding Forms</div> <div class="subtext">Rules-based separation forms delivered in one digital packet</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/state-onboarding-compliance" class="d-block"> <div class="font-weight-bold">State Forms</div> <div class="subtext">Helping manage required state forms for new hires and annual notices</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/immigration-case-management1" class="d-block"> <div class="font-weight-bold">Immigration Case Management</div> <div class="subtext">Access all-in-one Immigration case management solutions</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/tax-form-management" class="d-block"> <div class="font-weight-bold">Tax Form Management</div> <div class="subtext">More easily manage year-end forms including W-2, 1095-C, and Canadian T4 and R1</div> </a> </div> </div> </div> </div> </div> </li> <li class="dropdown-sublevel dropdown-sublevel--2"> <a class="dropdown-item dropdown-sublevel__toggle p-3" href="#" role="button" aria-haspopup="true" aria-expanded="false"> <img class="mr-3 d-none d-lg-block" aria-hidden="true" src="https://assets.equifax.com/wfs/noun-verification-1966073.svg" alt="Verify Information & Inform Decisions Page Icon" /> <span class="w-100 mr-3 font-weight-bold">Verify Information & Inform Decisions</span> </a> <div class="dropdown-menu dropdown-sublevel__menu"> <div class="container p-0"> <div class="row no-gutters py-md-2"> <div class="col-12"> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/verify-information" class="d-block"> <div class="font-weight-bold">Verify Information & Inform Decisions</div> <div class="subtext">Safer, more secure and faster. Help ease the burden on your HR team.</div> </a> </div> <div class="dropdown-item font-weight-bold px-3"> <div class="text-uppercase text-light-gray">Verification Solutions</div> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/pre-employment-verifications" class="d-block"> <div class="font-weight-bold">Pre-Hire Employment Verification Services</div> <div class="subtext">Verify your candidate's employment history with Talent Report™ Employment</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/smart-screen-talentcheck" class="d-block"> <div class="font-weight-bold">Smart Screen™ - TalentCheck</div> <div class="subtext">A first step in the criminal background screening process</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/education-verifications" class="d-block"> <div class="font-weight-bold">Postsecondary Education Verifications</div> <div class="subtext">Instantly verify all available degree information with Talent Report™ Education</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/employment-verifications" class="d-block"> <div class="font-weight-bold">Automate Employment Verifications</div> <div class="subtext">Outsource verifications & keep life moving for your employees with The Work Number®</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/talent-report-employment-flex" class="d-block"> <div class="font-weight-bold">Flexible Employment Verifications</div> <div class="subtext">Verify your candidate's employment history with Talent Report™ Employment Flex</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/talent-report-work-inform" class="d-block"> <div class="font-weight-bold">Talent Report™ Work Inform</div> <div class="subtext">Reporting for employers to help minimize workforce risk</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/talent-report-healthcare" class="d-block"> <div class="font-weight-bold">Talent Report™ Healthcare</div> <div class="subtext">Reporting for employers to help minimize workforce risk</div> </a> </div> <div class="dropdown-item p-3"> <a href="https://workforce.equifax.com/solutions/talent-report-high-school" class="d-block"> <div class="font-weight-bold">High School Diploma Verification</div> <div class="subtext">Help quickly verify high school diploma data and better automate the verification process.</div> </a> </div> </div> </div> </div> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="nav-item dropdown dropdown-mega" role="menuitem"> <a class="nav-link dropdown-toggle" href="#" id="InsightsDropdown" role="button" aria-haspopup="true" aria-expanded="false">Insights</a> <div class="dropdown-menu dropdown-mega-menu dropdown-mega-menu--full"> <div 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Our partner integrations are built to seamlessly fit within your organization’s platform and address your specific needs.</div> </div> </div> </a> </div> </div> </div> </div> </div> </div> </li> <li class="nav-item" role="menuitem"><a href="https://workforce.equifax.com/contact" class="nav-link"> Contact </a></li> <li class="nav-item nav-item-search dropdown dropdown-mega mobile-icon mobile-icon--main" role="menuitem"> <a class="nav-link dropdown-toggle" href="#" id="navbarDropdown6" role="button" aria-haspopup="true" aria-expanded="false"> <span class="fa fa-search mr-lg-2" aria-hidden="true"></span><span class="mr-2">Search</span> </a> <div class="dropdown-menu dropdown-mega-menu" aria-labelledby="navbarDropdown6"> <button class="btn dropdown-mega-menu__close" aria-label="Close" tabindex="-1"> <span aria-hidden="true" class="fal fa-times"></span> <span class="sr-only">Close</span> </button> <form method="get" role="search" class="mx-auto" name="searchBar"> <div class="form-group 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Log in on TheWorkNumber.com</div> </div> </a> </div> </div> </div> </div> </li> </ul> </div> </div> </nav> </header> <section id="content"> <div class="layout-content portlet-layout" id="main-content" role="main"> <div class="lfr-layout-structure-item-6a0148c5-a016-0d4e-dcd6-14dcc7f19427 lfr-layout-structure-item-container container-fluid container-fluid-max-xl" style=""><div class="lfr-layout-structure-item-basic-component-spacer lfr-layout-structure-item-fe1e7b2d-b1ea-a037-f81b-2c4608881246 " style=""><div id="fragment-6ef1e272-067d-a5e3-2630-add4579c57fd" > <div class="py-3"></div></div></div><div class="lfr-layout-structure-item-7647f60b-2514-082f-7be0-17254815796b lfr-layout-structure-item-row " style=""><div class="row align-items-lg-start align-items-sm-start align-items-start align-items-md-start flex-lg-row flex-sm-row flex-row flex-md-row"><div class="col col-lg-12 col-sm-12 col-12 col-md-12"><div class="lfr-layout-structure-item-basic-component-heading lfr-layout-structure-item-c87e7909-24df-c6ec-0080-65bbb60bf55d " style=""><div id="fragment-095e0622-6f0c-6683-cfeb-3c9491518766" > <h4 class="component-heading mb-0 text-break" data-lfr-editable-id="element-text" data-lfr-editable-type="text">Notice to Furnishers of Information: Obligations of Furnishers Under the FCRA</h4></div><style>.fragment-heading-text-colored a { color: inherit; }</style></div><div class="lfr-layout-structure-item-basic-component-paragraph lfr-layout-structure-item-50122789-5927-4640-9a22-0a43b219a554 " style=""><div id="fragment-368b595e-2913-42f9-9149-18cb3e2b16f0" > <div class="clearfix component-paragraph text-break" data-lfr-editable-id="element-text" data-lfr-editable-type="rich-text"><br> All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau's website, <a href="http://consumerfinance.gov/learnmore">consumerfinance.gov/learnmore</a>.<br> <br> The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection's website at <a href="http://consumerfinance.gov/learnmore">consumerfinance.gov/learnmore</a>. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.<br> <br> Section 623 imposes the following duties:<br>   <div class="mb-1 mt-1"><strong>Accuracy Guidelines</strong></div> The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623(e).<br>   <div class="mb-1 mt-1"><strong>General Prohibition on Reporting Inaccurate Information</strong></div> The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).<br>   <div class="mb-1 mt-1"><strong>Duty to Correct and Update Information</strong></div> If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623(a)(2).<br>   <div class="mb-1 mt-1"><strong>Duties After Notice of Dispute from Consumer</strong></div> If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623(a)(3). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days (or 45 days, if the consumer later provides relevant additional information) unless the dispute is frivolous or irrelevant or comes from a “credit repair organization.” The CFPB regulations will be available at consumerfinance.gov. Section 623(a)(8).<br>   <div class="mb-1 mt-1"><strong>Duties After Notice of Dispute from Consumer Reporting Agency</strong></div> If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must: <ul> <li>Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623(b)(1)(A) and (b)(1)(B).</li> <li>Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623(b)(1)(C) and (b)(1)(D).</li> <li>Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA). Section 623(b)(2).</li> <li>Promptly modify or delete the information, or block its reporting. Section 623(b)(1)(E).</li> </ul> <div class="mb-1 mt-1"><strong>Duty to Report Voluntary Closing of Credit Accounts</strong></div> If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623(a)(4).<br>   <div class="mb-1 mt-1"><strong>Duty to Report Dates of Delinquencies</strong></div> <div class="mb-1 mt-1">If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer's file. Section 623(a)(5).<br> <br> Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623(a)(5) (until there is a consumer dispute) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date cannot be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623(a)(5).<br>  </div> <div class="mb-1 mt-1"><strong>Duties of Financial Institutions When Reporting Negative Information</strong></div> <div class="mb-1 mt-1">Financial institutions that furnish information to “nationwide” consumer reporting agencies, as defined in Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.<br>  </div> <div class="mb-1 mt-1"><strong>Duties When Furnishing Medical Information</strong></div> <div class="mb-1 mt-1">A furnisher whose primary business is providing medical services, products, or devices (and such furnisher's agents or assignees) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623(a)(9). This notice will enable CRAs to comply with their duties under Section 604(g) when reporting medical information.<br>  </div> <div class="mb-1 mt-1"><strong>Duties when ID Theft Occurs</strong></div> <div class="mb-1 mt-1">All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623(a)(6). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623(a)(2). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615(f).<br> <br> The Consumer Financial Protection Bureau website, <a href="http://consumerfinance.gov/learnmore">consumerfinance.gov/learnmore</a>, has more information about the FCRA.<br> <br> <strong>Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: </strong></div> </div></div><style>.component-paragraph img { max-width: 100%; }</style></div><div class="lfr-layout-structure-item-basic-component-html lfr-layout-structure-item-2650fb7b-624a-78f2-55f6-09ea89c220ba " style=""><div id="fragment-68c0ab6d-9a39-9329-f908-2b9b25150351" > <div class="component-html" data-lfr-editable-id="element-html" data-lfr-editable-type="html"><div style="display: flex; flex-wrap: wrap;"> <ul style="list-style-type:none;column-count: 4;column-width: 75px;column-gap: 75px;"> <li> </li> <li>Section 603</li> <li>Section 604</li> <li>Section 605</li> <li>Section 605A</li> <li>Section 605B</li> <li>Section 606</li> <li>Section 607</li> <li>Section 608</li> <li>Section 609</li> <li>Section 610</li> <li>Section 611 </li> <li>Section 612 </li> <li>Section 613 </li> <li>Section 614 </li> <li>15 U.S.C. 1681 </li> <li>15 U.S.C. 1681a </li> <li>15 U.S.C. 1681b </li> <li>15 U.S.C. 1681c </li> <li>15 U.S.C. 1681c-1 </li> <li>15 U.S.C. 1681c-2 </li> <li>15 U.S.C. 1681d </li> <li>15 U.S.C. 1681e </li> <li>15 U.S.C. 1681f </li> <li>15 U.S.C. 1681g </li> <li>15 U.S.C. 1681h </li> <li>15 U.S.C. 1681i </li> <li>15 U.S.C. 1681j </li> <li>15 U.S.C. 1681k </li> <li>15 U.S.C. 1681l </li> <li>Section 615 </li> <li>Section 616 </li> <li>Section 617 </li> <li>Section 618 </li> <li>Section 619 </li> <li>Section 620 </li> <li>Section 621 </li> <li>Section 622 </li> <li>Section 623 </li> <li>Section 624 </li> <li>Section 625 </li> <li>Section 626 </li> <li>Section 627 </li> <li>Section 628 </li> <li>Section 629 </li> <li>15 U.S.C. 1681m </li> <li>15 U.S.C. 1681n </li> <li>15 U.S.C. 1681o </li> <li>15 U.S.C. 1681p </li> <li>15 U.S.C. 1681q </li> <li>15 U.S.C. 1681r </li> <li>15 U.S.C. 1681s </li> <li>15 U.S.C. 1681s-1 </li> <li>15 U.S.C. 1681s-2 </li> <li>15 U.S.C. 1681t </li> <li>15 U.S.C. 1681u </li> <li>15 U.S.C. 1681v </li> <li>15 U.S.C. 1681w </li> <li>15 U.S.C. 1681x </li> <li>15 U.S.C. 1681y</li> </ul> </div></div></div><style>.component-html img { max-width: 100%; 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FCRA: Notice to Furnishers