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Can you summarize VACV 18.2-186.3:1?
Identity fraud; consumer reporting agencies; police reports
Short Summary
This legal document governs the reporting and handling of identity theft cases by consumers, consumer reporting agencies, and law enforcement agencies. It states that consumers may report identity theft to the law enforcement agency in their jurisdiction and provides provisions for consumer reporting agencies to block the reporting of any information on the consumer’s credit report that resulted from a violation of 18.2-186.3. The document also allows consumer reporting agencies to decline or rescind a block of consumer information under certain circumstances. It further outlines the notification requirements for consumers when blocked information is unblocked and the process for correcting disputed information. Additionally, the document specifies that consumer reporting agencies must delete inquiries for credit reports based on credit requests resulting from a violation of 18.2-186.3. Certain exemptions are provided for resellers of credit information, check services or fraud prevention services companies, and demand deposit account information service companies. No specific penalties are mentioned in this document.
Whom does it apply to?
Consumers, consumer reporting agencies, law enforcement agencies
What does it govern?
Identity theft, consumer reporting agencies, police reports
What are exemptions?
Resellers of credit information, check services or fraud prevention services companies, demand deposit account information service companies
What are the Penalties?
No specific penalties mentioned.
Jurisdiction
Virginia