15 USC § 1681l - Restrictions on investigative consumer reports

---
identifier: "/us/usc/t15/s1681l"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1681l - Restrictions on investigative consumer reports"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1681l"
section_name: "Restrictions on investigative consumer reports"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "III"
subchapter_name: "CREDIT REPORTING AGENCIES"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title VI, § 614, as added Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1133.)"
---


# § 1681l. Restrictions on investigative consumer reports

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

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**Source Credit**: (Pub. L. 90–321, title VI, § 614, as added Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1133.)

## Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of one hundred and eighty days following , see , as added by , set out as a note under .