California Codes

Cal. Civil Code § 1785.10 (2026)

✓ current as of May 2026

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(a)Every consumer credit reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding that consumer at the time of the request.

(b)Every consumer reporting agency, upon contact by a consumer by telephone, mail, or in person regarding information which may be contained in the agency files regarding that consumer, shall promptly advise the consumer of his or her rights under Sections 1785.11.8, 1785.19, and 1785.19.5, and of the obligation of the agency to provide disclosure of the files in person, by mail, or by telephone pursuant to Section 1785.15, 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, including any credit score used, and the key factors, as defined in Section 1785.15.1, if the consumer so requests that copy. The disclosure shall be provided in the manner selected by the consumer, chosen from among any reasonable means available to the consumer credit reporting agency.

The agency shall determine the applicability of subdivision (1) of Section 1785.17 and, where applicable, the agency shall inform the consumer of the rights under that section.

(c)All information on a consumer in the files of a consumer credit reporting agency at the time of a request for inspection under subdivision (a), shall be available for inspection, including the names, addresses and, if provided by the sources of information, the telephone numbers identified for customer service for the sources of information.

(d)(1)The consumer credit reporting agency shall also disclose the recipients of any consumer credit report on the consumer which the consumer credit reporting agency has furnished:

(A)For employment purposes within the two-year period preceding the request.

(B)For any other purpose within the 12-month period preceding the request.

(2)Disclosure of recipients of consumer credit reports for purposes of this subdivision shall include the name of the recipient or, if applicable, the fictitious business name under which the recipient does business disclosed in full. The identification shall also include the address and, if provided by the recipient, the telephone number identified for customer service for the recipient.

(e)The consumer credit reporting agency shall also disclose a record of all inquiries received by the agency in the 12-month period preceding the request that identified the consumer in connection with a credit transaction which is not initiated by the consumer. This record of inquiries shall include the name, address and, if provided by the recipient, the telephone number identified for customer service for each recipient making an inquiry.

(f)Any consumer credit reporting agency when it is subject to the provisions of Section 1785.22 is exempted from the requirements of subdivisions (c), (d), and (e), only with regard to the provision of the address and telephone number.

(g)Any consumer credit reporting agency, that provides a consumer credit report to another consumer credit reporting agency that procures the consumer credit report for the purpose of resale and is subject to Section 1785.22, is exempted from the requirements of subdivisions (d) and (e), only with regard to the provision of the address and telephone number regarding each prospective user to which the consumer credit report was sold.

(h)This section shall become operative on January 1, 2003.

Notes of Decisions

Cited in 14 cases (5 in the last 5 years), 1995–2023 · leading case: Beeman v. Anthem Prescription Mgmt., LLC, 315 P.3d 71 (Cal. 2013).

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Beeman v. Anthem Prescription Mgmt., LLC, 315 P.3d 71 (Cal. 2013). · cites it 2× “(a)(1) [requiring health care service plans to disclose rate information for individual and small group contracts at least 60 days before implementing any rate change]; Civ. Code, § 1785.10, subd. (b) [requiring consumer reporting agencies, upon contact by a consumer, to advise…”

Dennis v. Experian Infomation, 520 F.3d 1066 (9th Cir. 2008). “Dennis sued Experian, alleging violations of the California Consumer Credit Reporting Agencies Act, Cal. Civ. Code § 1785.10 , and the FCRA. The district court granted summary judgment for Experian on all claims.”

Cisneros v. U.D. Registry, Inc., 95 Cal. Daily Op. Serv. 8240 (Cal. Ct. App. 1995). · cites it 2× “Civil Code section 1785.10, a part of CCRAA, states that “[e]very consumer credit reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding that consumer at the time of the request.”

Buraye v. Equifax, 625 F. Supp. 2d 894 (C.D. Cal. 2008). “Whether the Preemption Provision Applies to Buraye’s Claims Under the CCCRAA Buraye’s first cause of action asserts that Nationwide failed to comply with the CCCRAA, California Civil Code § 1785.10 et seq. As noted, § 1681t(b)(l)(F) preempts all state statutory and common law…”

Patel v. Trans Union, LLC, 308 F.R.D. 292 (N.D. Cal. 2015). “§ 1681g, (2) failing to provide California consumers, upon request, with a copy of their disclosure with all information on the consumer, in violation of the CCCRAA, Cal. Civ. Code §§ 1785.10 & 1785.15, (3) negligently and willfully failing to maintain reasonable procedures to…”

Jason Dennis v. Beh-1, Llc, a Ltd. Liab. Co. in the State of California, & Experian Info. Solutions, Inc., an Ohio Corp., 485 F.3d 443 (9th Cir. 2007). “Dennis sued Experian, alleging violations of the California Consumer Credit Reporting Agencies Act, Cal. Civ.Code § 1785.10, and the FCRA. The district court granted summary judgment for defendant on all claims.”

Dennis v. Experian Info., 504 F.3d 892 (9th Cir. 2007). “Dennis sued Experian, alleging violations of the California Consumer Credit Reporting Agencies Act, Cal. Civ. Code § 1785.10 , and the FCRA. The district court granted summary judgment for Experian on all claims.”

Ramirez v. Trans Union, LLC, 899 F. Supp. 2d 941 (N.D. Cal. 2012). “with a copy of their disclosure containing all information on that consumer,” in violation of Cal Civ. Code §§ 1785.10 and 1785.31; 3) “willfully failing to provide .”

Kang v. Credit Bureau Connection, Inc. (E.D. Cal. 2021). · cites it 3× “§ 1681g(a) and Cal. Civil Code §§ 1785.10 and 12 1785.15.”

Kang v. Credit Bureau Connection, Inc. (E.D. Cal. 2022). “§ 1681g(a) and Cal. Civil Code §§ 1785.10 and 26 1785.15.”

Kang v. Credit Bureau Connection, Inc. (E.D. Cal. 2022). “§ 1681g(a) and Cal. Civil Code §§ 1785.10 and 1785.15. On behalf of only 23 himself, Plaintiff alleges that CBC failed to reinvestigate the disputed OFAC-related information 24 that it had prepared and sold to the dealership, in violation of 15 U.”

Kang v. Credit Bureau Connection, Inc. (E.D. Cal. 2023). “§ 1681g(a) and Cal. Civil Code §§ 1785.10 and 1785.15. On behalf of only 28 himself, Kang alleged that Credit Bureau failed to reinvestigate the disputed OFAC-related 1 information that it had prepared and sold to the dealership, in violation of 15 U.”

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