MARVIN MANDEL, Governor

1565

(2) BY TELEPHONE IF HE HAS MADE A WRITTEN
REQUEST, WITH PROPER IDENTIFICATION, FOR TELEPHONE
DISCLOSURE AND THE TOLL CHARGE, IF ANY, FOR THE TELEPHONE
CALL IS PREPAID BY OR CHARGED DIRECTLY TO THE CONSUMER.

[[(3) BY MAIL IF HE HAS MADE A WRITTEN
REQUEST, WITH PROPER IDENTIFICATION, AND HAS PREPAID THE
COSTS OF COPYING AND POSTAGE.]]

(C)    ANY CONSUMER REPORTING AGENCY SHALL PROVIDE
TRAINED PERSONNEL TO EXPLAIN TO THE CONSUMER ANY
INFORMATION FURNISHED TO HIM PURSUANT TO SECTION 14-1206
OF THIS SUBTITLE.

(D)    THE CONSUMER SHALL BE PERMITTED TO BE
ACCOMPANIED BY ONE OTHER PERSON OF HIS CHOOSING, WHO
SHALL FURNISH REASONABLE IDENTIFICATION. A CONSUMER
REPORTING AGENCY MAY REQUIRE THE CONSUMER TO FURNISH A
WRITTEN STATEMENT GRANTING PERMISSION TO THE CONSUMER
REPORTING AGENCY TO DISCUSS THE CONSUMER'S FILE IN THE
PERSON'S PRESENCE.

(E)    EXCEPT AS PROVIDED IN SECTION 14-1213 OF THIS
SUBTITLE, NO CONSUMER MAY BRING ANY ACTION OR PROCEEDING
IN THE NATURE OF DEFAMATION, INVASION OF PRIVACY, OR
NEGLIGENCE WITH RESPECT TO THE REPORTING OF INFORMATION
AGAINST ANY CONSUMER REPORTING AGENCY, ANY USER OF
INFORMATION, BASED ON INFORMATION DISCLOSED PURSUANT TO
SECTIONS 14-1206, 14-1207, OR 14-1212 OF THIS SUBTITLE,
EXCEPT AS TO FALSE INFORMATION FURNISHED WITH MALICE OR
WILFUL INTENT TO INJURE THE CONSUMER. EXCEPT AS PROVIDED

IN SECTION 14-1213 OF THIS SUBTITLE, NO CONSUMER MAY

BRING ANY ACTION OR PROCEEDING AGAINST A PERSON WHO
FURNISHES INFORMATION TO A CONSUMER REPORTING AGENCY IN

THE NATURE OF DEFAMATION, INVASION OF PRIVACY, OR

NEGLIGENCE FOR UNINTENTIONAL ERROR.

14-1208. PROCEDURE IN CASE OF DISPUTED ACCURACY.

(A)    IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OF
INFORMATION CONTAINED IN HIS FILE IS DISPUTED BY A
CONSUMER, AND THE DISPUTE IS DIRECTLY CONVEYED TO THE
CONSUMER REPORTING AGENCY BY THE CONSUMER, THE CONSUMER
REPORTING AGENCY SHALL WITHIN A REASONABLE PERIOD OF TIME
REINVESTIGATE AND RECORD THE CURRENT STATUS OF THAT
INFORMATION UNLESS IT HAS REASONABLE GROUNDS TO BELIEVE
THAT THE DISPUTE BY THE CONSUMER IS FRIVOLOUS OR
IRRELEVANT. IF AFTER ON REINVESTIGATION THE INFORMATION
IS FOUND TO BE INACCURATE OR CAN NO LONGER BE VERIFIED,
THE CONSUMER REPORTING AGENCY SHALL PROMPTLY DELETE THE
INFORMATION. THE PRESENCE OF CONTRADICTORY INFORMATION
IN THE CONSUMER'S FILE DOES NOT IN AND OF ITSELF
CONSTITUTE REASONABLE GROUNDS FOR BELIEVING THE DISPUTE
IS FRIVOLOUS OR IRRELEVANT.

(B)    IF THE REINVESTIGATION DOES NOT RESOLVE THE
DISPUTE, THE CONSUMER MAY FILE A BRIEF STATEMENT SETTING