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A consumer credit record may not be established with companies for the first time except with the written consent of the consumer.
2.
A member shall provide the consumer, upon his/her request, with grounds for declining his/her credit transactions.
3.
A consumer whose credit transaction is declined may obtain a free copy of his/her credit record once only.
4.
Subject to payment of fees, a consumer may obtain a copy of his/her credit record at any time. Said consumer may obtain a free copy of his/her credit record once only upon establishment of the record.
5.
A consumer may add information to his/her credit record indicating his/her personal point of view with respect to credit information provided therein.
6.
A consumer who detects an error in his/her credit record may request the company to correct said error upon submission of relevant supporting documents.
7.
A consumer, if an error in his/her credit record is not corrected or if he/she notices that his/her credit record is requested for an unlawful reason, may file a complaint with the committee set up pursuant to this Law to decide thereon.
