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TITLE 1.6A. INVESTIGATIVE CONSUMER REPORTING AGENCIES
Article 3. Requirements on Users of Investigative Consumer Reports
California Civil Code Section 1786.40




1786.40.  (a) Whenever insurance for personal, family, or household
purposes, employment, or the hiring of a dwelling unit involving a
consumer is denied or the charge for that insurance or the hiring of
a dwelling unit is increased either wholly or partly because of
information contained in an investigative consumer report from an
investigative consumer reporting agency, the user of the
investigative consumer report shall so advise the consumer against
whom the adverse action has been taken and supply the name and
address of the investigative consumer reporting agency making the
report.
   (b) Whenever insurance for personal, family, or household purposes
involving a consumer is denied or the charge for that insurance is
increased either wholly or in part because of information obtained
from a person other than an investigative consumer reporting agency,
the consumer, or another person related to the consumer and acting on
the consumer's behalf and bearing upon the consumer's general
reputation, personal characteristics or mode of living, the user of
the information shall, within a reasonable period of time, and upon
the consumer's written request for the reasons for the adverse action
received within 60 days after learning of the adverse action,
disclose the nature and substance of the information to the consumer.
  The user of the information shall clearly and accurately disclose
to the consumer his or her right to make this written request at the
time the adverse action is communicated to the consumer.

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