2013 New York Consolidated Laws
GBS - General Business
Article 25 - (380 - 380-U) FAIR CREDIT REPORTING ACT
380-D - Disclosure to consumers.

 
    §  380-d. Disclosure to consumers. (a) Every consumer reporting agency
  shall, upon request and proper identification of any  consumer,  clearly
  and accurately disclose to the consumer:
    (1) all information in its files at the time of the request concerning
  such consumer; and
    (2)  the  sources  of  the  information;  except  that  the sources of
  information acquired  solely  for  use  in  preparing  an  investigative
  consumer  report  and  actually  used  for  no other purpose need not be
  disclosed; provided, however, that in the event  an  action  is  brought
  under section three hundred eighty-n of this article, such sources shall
  be  available to the plaintiff under appropriate discovery procedures in
  the court in which the action is brought; and
    (3) the recipients of any consumer report on the consumer which it has
  furnished;
    (i) for employment purposes within the two-year period  preceding  the
  request, and
    (ii)  for  any other purpose within the six month period preceding the
  request.
    (b) The requirements of subdivision (a) of this section respecting the
  disclosure of sources of information  and  the  recipients  of  consumer
  reports  do  not  apply  to  information  received  or  consumer reports
  furnished prior to the effective date of  this  article  except  to  the
  extent  that  the  matter  involved  is  contained  in  the files of the
  consumer reporting agency on that date.
    (c)  Notwithstanding  any  other  provision  of  this  article,  every
  consumer  reporting agency, upon contact by a consumer by phone, mail or
  in person regarding information which may be contained in  the  agency's
  files  which  has  been  or  may  be used for the purpose of providing a
  consumer report regarding  that  consumer,  shall  promptly  advise  the
  consumer  of  the  obligation of the agency to provide disclosure of the
  files in person, by mail or  by  telephone  pursuant  to  this  section,
  including  the  obligation  of  the  agency to provide a decoded written
  version of the file or a written copy of the file with an explanation of
  any code used, if the consumer so  requests.  The  disclosure  shall  be
  provided in the manner selected by the consumer.  All consumers shall be
  specifically  advised  that  if they have been denied credit in the past
  thirty days they are  entitled  to  receive  a  written  copy  of  their
  complete  file,  at  no charge whatsoever, should they choose to request
  such a copy.