a. A consumer reporting agency shall make the disclosures required under section 7
of this act during normal business hours and on reasonable notice.
b. The disclosures required under section 7 of this act shall be made to the consumer:
(1) in person if the consumer appears in person and furnishes proper identification;
(2) by telephone if the consumer has made a written request, with proper identification,
for telephone disclosure and the toll charge, if any, for the telephone call is prepaid
by or charged directly to the consumer.
c. Any consumer reporting agency shall provide trained personnel to explain to the
consumer any information furnished to the consumer pursuant to section 7 of this act.
d. The consumer shall be permitted to be accompanied by one other person of the consumer's
choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement
granting permission to the consumer reporting agency to discuss the consumer's file
in that person's presence.
e. Except as provided in sections 11 and 12 of this act and sections 616 and 617 of
the federal “Fair Credit Reporting Act,” 15 U.S.C. s. 1681n and 15 U.S.C. s. 1681o, no consumer may bring any action or proceeding in the nature of defamation, invasion
of privacy, or negligence with respect to the reporting of information against any
consumer reporting agency, any user of information, or any person who furnishes information
to a consumer reporting agency, based on information disclosed pursuant to section
7 of this act or this section or section 609, 610 or 615 of the federal “Fair Credit
Reporting Act,” 15 U.S.C. s. 1681g, 15 U.S.C. s. 1681h, or 15 U.S.C. s.1681m, or based on information disclosed by a user of a consumer report to or for a consumer
against whom the user has taken adverse action, based in whole or in part on the report,
except as to false information furnished with malice or willful intent to injure the
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