N.Y. General Business Law § 380-d: Disclosure to consumers

§ 380-d. Disclosure to consumers. (a) Every consumer reporting agency

shall, upon request and proper identification of any consumer, clearly

and accurately disclose to the consumer:

(1) all information in its files at the time of the request concerning

such consumer; and

(2) the sources of the information; except that the sources of

information acquired solely for use in preparing an investigative

consumer report and actually used for no other purpose need not be

disclosed; provided, however, that in the event an action is brought

under section three hundred eighty-n of this article, such sources shall

be available to the plaintiff under appropriate discovery procedures in

the court in which the action is brought; and

(3) the recipients of any consumer report on the consumer which it has

furnished;

(i) for employment purposes within the two-year period preceding the

request, and

(ii) for any other purpose within the six month period preceding the

request.

(b) The requirements of subdivision (a) of this section respecting the

disclosure of sources of information and the recipients of consumer

reports do not apply to information received or consumer reports

furnished prior to the effective date of this article except to the

extent that the matter involved is contained in the files of the

consumer reporting agency on that date.

(c) Notwithstanding any other provision of this article, every

consumer reporting agency, upon contact by a consumer by phone, mail or

in person regarding information which may be contained in the agency's

files which has been or may be used for the purpose of providing a

consumer report regarding that consumer, shall promptly advise the

consumer of the obligation of the agency to provide disclosure of the

files in person, by mail or by telephone pursuant to this section,

including the obligation of the agency to provide a decoded written

version of the file or a written copy of the file with an explanation of

any code used, if the consumer so requests. The disclosure shall be

provided in the manner selected by the consumer. All consumers shall be

specifically advised that if they have been denied credit in the past

thirty days they are entitled to receive a written copy of their

complete file, at no charge whatsoever, should they choose to request

such a copy.