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three-year period beginning on the date on which the offer is made to each consumer. In addition, any user must provide with <br />each written solicitation a clear and conspicuous statement that: <br />VIII. OBLIGATIONS OF RESELLERS <br />A. Disclosure and Certification Requirements <br />Section 607(e) requires any person who obtains a consumer report for resale to take the following steps: <br />• the identify of all end-users; <br />• certifications from all users of each purpose for which reports will be used; and <br />• certifications that reports will not be used for any purpose other than the purpose(s) specified to the reseller. Resellers <br />must make reasonable efforts to verify this information before selling the report. <br />B. Reinvestigations by Resellers <br />Under Section 611(f), if a consumer disputes the accuracy or completeness of information in a report prepared by a reseller, the <br />reseller must determine whether this is a result of an action or omission on its part and, if so, correct or delete the information. If <br />not, the reseller must send the dispute to the source CRA for reinvestigation. When any CRA notifies the reseller of the results <br />of an investigation, the reseller must immediately convey the information to the consumer. <br />C. Fraud Alerts and Resellers <br />Section 605A (f) requires resellers who receive fraud alerts or active duty alerts from another consumer reporting agency to <br />include these in their reports. <br />IX. LIABILITY FOR VIOLATIONS OF THE FCRA <br />Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private <br />lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false <br />pretenses may face criminal prosecution. Section 619. <br />The CFPB’s website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including <br />publications for businesses and the full text of the FCRA. <br />Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: <br />Section 602 <br /> Section 603 <br /> 15 U.S.C. 1681 <br /> 15 U.S.C. 1681a <br /> Section 604 15 U.S.C. 1681b <br /> Section 605 15 U.S.C. 1681c <br /> Section 605A 15 U.S.C. 1681c-A <br />Section 605B 15 U.S.C. 1681c-B <br />Section 606 15 U.S.C. 1681d <br /> Section 607 15 U.S.C. 1681e <br /> Section 608 15 U.S.C. 1681f <br /> Section 609 15 U.S.C. 1681g <br /> Section 610 15 U.S.C. 1681h <br />Section 611 15 U.S.C. 1681i <br /> Section 612 15 U.S.C. 1681j <br /> Section 613 15 U.S.C. 1681k <br /> Section 614 15 U.S.C. 1681l <br /> Section 615 15 U.S.C. 1681m <br /> Section 616 15 U.S.C. 1681n <br /> Section 617 15 U.S.C. 1681o <br />DocuSign Envelope ID: ED55B3D5-BAD0-45B4-977B-F09C4091C16A