U.S. Code » Title 15 » Chapter CHAPTER 41— CONSUMER CREDIT PROTECTION › Subchapter SUBCHAPTER III— CREDIT REPORTING AGENCIES

15 U.S.C. § 1681x

Corporate and technological circumvention prohibited

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The Commission shall prescribe regulations, to become effective not later than 90 days after December 4, 2003, to prevent a consumer reporting agency from circumventing or evading treatment as a consumer reporting agency described in section 1681a(p) of this title for purposes of this subchapter, including—(1) by means of a corporate reorganization or restructuring, including a merger, acquisition, dissolution, divestiture, or asset sale of a consumer reporting agency; or(2) by maintaining or merging public record and credit account information in a manner that is substantially equivalent to that described in paragraphs (1) and (2) of section 1681a(p) of this title, in the manner described in section 1681a(p) of this title.(Pub. L. 90–321, title VI, § 629, as added Pub. L. 108–159, title II, § 211(b), Dec. 4, 2003, 117 Stat. 1970.)Statutory Notes and Related SubsidiariesEffective Date

Section subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108–159, set out as an Effective Date of 2003 Amendment note under section 1681 of this title.

Notes of Decisions
Cited in 2 cases, 2019–2020 · leading case: Mcintyre v. Transunion, LLC (E.D. Pa. 2020).
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Mcintyre v. Transunion, LLC (E.D. Pa. 2020). · cites it 2× “Notably, Plaintiff cites to 15 U.S.C. § 1681x in her Complaint, noting that “CRAs may not attempt to circumvent their duties to disclose imposed by the FCRA by way of corporate or technological chicanery.”
Thacker v. GPS Insight LLC (D. Ariz. 2019). “See 15 U.S.C. § 1681x. Plaintiff’s reply includes several arguments concerning discovery disputes, attorney-client privilege, Donat’s actual and 28 intended uses of the report, and references to Title VII, none of which is relevant.”
— 15 U.S.C. § 1681x(1) — 1 case
Mcintyre v. Transunion, LLC (E.D. Pa. 2020). “Notably, Plaintiff cites to 15 U.S.C. § 1681x in her Complaint, noting that “CRAs may not attempt to circumvent their duties to disclose imposed by the FCRA by way of corporate or technological chicanery.”
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