In General: A consumer reporting agency Subject to
subsection (c), any consumer reporting agency may
furnish a consumer report under the following circumstances and no other:
In response to the order of a court having jurisdiction to issue
such an order, or a subpoena issued in connection with proceedings before a Federal grand
jury.
In accordance with the written instructions of the consumer to
whom it relates.
To a person which it has reason to believe
intends to use the information in connection with a credit
transaction involving the consumer on whom the information is to be furnished and
involving the extension of credit to, or review or collection of an account of, the
consumer; or
intends to use the information for employment purposes; or
intends to use the information in connection with the
underwriting of insurance involving the consumer; or
intends to use the information in connection with a
determination of the consumer's eligibility for a license or other benefit granted by a
governmental instrumentality required by law to consider an applicant's financial
responsibility or status; or
otherwise has a legitimate business need for the information in
connection with a business transaction involving the consumer. (E) intends to use the information, as a potential investor or servicer, or
current insure in connection with a valuation of, or an assessment of the credit or
prepayment risks associated with, an existing credit obligation; or
otherwise has a legitimate business need for the information
in connection with a business transaction that is initiated
by the consumer; or
to review an account to determine whether the consumer
continues to meet the terms of the account.
In response to a request by the head of a state or local child
support enforcement agency (or a state or local government official authorized by the head
of such an agency), if the person making the request certifies to the consumer reporting
agency that
the consumer report is needed for the purpose of establishing
an individual's capacity to make child support payments or determining the appropriate
level of such payments;
the paternity of the consumer for the child to which the
obligation relates has been established or acknowledged by the consumer in accordance with
state laws under which the obligation arises (if required by those laws);
the person has provided at least 10 days' prior notice to the
consumer whose report is requested, by certified or registered mail to the last known
address of the consumer, that the report will be requested; and
the consumer report will be kept confidential, will be used
solely for a purpose described in subparagraph (A), and will not be used in connection
with any other civil, administrative, or criminal proceeding, or for any other purpose.
To an agency administering a state plan under Section 454 of the Social Security Act
(42 U.S.C. 654) for use to set an initial or modified child support award.