County of Los Angeles Department of Consumer Affairs New Consumer Laws 2008

CREDIT REPORTS: CREDIT REPORTING AGENCIES CAN REPORT PUBLIC RECORDS

Civil Code Sections 56.06, 1785.11.2, 1798.29, 1798.82

Existing state and federal law regulates consumer credit reports. Existing state law permits a consumer to place a security freeze on his or her credit report by making a request in writing. A security freeze prohibits the credit reporting agency from releasing the consumer's credit report or any information from it without the express authorization of the consumer.

This bill allows a credit reporting agency to disclose public record information in a consumer’s credit report, even if the consumer has placed a security freeze on his or her credit report. This law, however, does not prohibit a credit reporting agency from electing to apply a security freeze to the entire contents of a credit report.

For more information:
County of Los Angeles Department of Consumer Affairs
B-96 Kenneth Hahn Hall of Administration
500 W. Temple Street * Los Angeles, CA 90012-2706
Telephone (800) 593-8222 (within the County) * (213) 974-1452
web site: dca.lacounty.gov