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Can I ignore consumer requests for information or deletion in Massachusetts? What are the requirements?
Consumer Requests for Information or Deletion in Massachusetts
In Massachusetts, consumer reporting agencies are required to comply with consumer requests for information or deletion under MGL Chapter 93, Section 58. If the completeness or accuracy of any item of information in a consumer’s file is disputed by the consumer, the consumer reporting agency must reinvestigate and record the current status of such information within a reasonable period of time, not to exceed thirty business days beginning on the date the consumer reporting agency receives notice from the consumer [1.1].
If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall within three business days delete such information [1.1]. The consumer reporting agency shall also provide the consumer with written information, free of charge, that includes a statement that the reinvestigation is completed, a consumer report that is based on the consumer’s file as that file is revised as a result of the reinvestigation, a description or indication of any changes made in the consumer report as a result of such revisions, notice that the consumer has the right to add a statement to the consumer’s file disputing the accuracy or completeness of the information, and notice that the consumer has the right to obtain all information required to be disclosed under section fifty-six [1.1].
Therefore, you cannot ignore consumer requests for information or deletion in Massachusetts. Consumer reporting agencies must comply with such requests and investigate and delete inaccurate information within a reasonable period of time.
If you have any further questions, please let me know.
Source(s):
Jurisdiction
Massachusetts