Fair credit reporting.

Authors: Senator Patricia Miller

Digest

Provides that a violation of the federal Fair Credit Reporting Act (act), or any regulations issued under the act, in connection with a consumer transaction involving an Indiana consumer, is a deceptive act that is subject to the penalties set forth in the statute concerning deceptive consumer sales. Requires the attorney general to investigate complaints made by or on behalf of Indiana consumers and concerning alleged violations of specified provisions of the act. Allows the attorney general to investigate, on the attorney general's own motion, suspected violations of the specified provisions of the act. Authorizes the attorney general to bring an action in federal district court or in any other court with jurisdiction for: (1) injunctive relief; or (2) damages on behalf of Indiana consumers; for violations of the specified provisions of the act. Specifies that these enforcement procedures are in addition to the enforcement procedures and remedies available to the attorney general or a consumer under the statute concerning deceptive consumer sales for a violation of the act, or any regulations issued under the act, in connection with a consumer transaction involving an Indiana consumer.