California § 1786.10. 1786.10. (Amended by Stats. 2006, Ch. 538, Sec. 45.)

California Statutes

§ 1786.10. — 1786.10. (Amended by Stats. 2006, Ch. 538, Sec. 45.)

California § 1786.10.

JurisdictionCalifornia

Code CIVCivil Code - CIV

Div. 3.DIVISION 3. OBLIGATIONS

Title1.6A.

Part 4.TITLE 1.6A. INVESTIGATIVE CONSUMER REPORTING AGENCIES

Art. 2.ARTICLE 2. Obligations of Investigative Consumer Reporting Agencies

This text of California § 1786.10. (1786.10. (Amended by Stats. 2006, Ch. 538, Sec. 45.)) is published on Counsel Stack Legal Research, covering California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Cal. Civil Code - CIV Code § 1786.10. (2026).

Text

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

(b)

(1)All items of information shall be available for inspection, except that the sources of information, other than public records and records from databases available for sale, acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed. However, if an action is brought under this title, those sources shall be available to the consumer under appropriate discovery procedures in the court in which the action is brought.

(2)This title shall not be interpreted to mean that investigative consumer rep

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(a)
Every investigative consumer reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding the consumer at the time of the request.
(b)
(1)
All items of information shall be available for inspection, except that the sources of information, other than public records and records from databases available for sale, acquired solely for use in preparing an
investigative consumer report and actually used for no other purpose need not be disclosed. However, if an action is brought under this title, those sources shall be available to the consumer under appropriate discovery procedures in the court in which the action is brought.
(2)
This title shall not be interpreted to mean that investigative consumer reporting agencies are required to divulge to consumers the sources of investigative consumer reports, except in appropriate discovery procedures as outlined in this title.
(c)
The investigative consumer reporting agency shall also identify the recipients of any investigative consumer report on the consumer that the investigative consumer reporting agency has furnished for either of the following purposes:
(1)
For employment or insurance purposes within the three-year
period preceding the request.
(2)
For any other purpose within the three-year period preceding the request.
(d)
The identification of a recipient under subdivision (c) shall include the name of the recipient or, if applicable, the trade name (written in full) under which the recipient conducts business and, upon request of the consumer, the address and telephone number of the recipient.
(e)
The investigative consumer reporting agency shall also disclose the dates, original payees, and amounts of any checks or charges upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.