CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,TITLE 1,COMMERCIAL,CREDIT REPORTS,CONSUMER CREDIT REPORTING,SUBJECT TO,REGULATIONS,CIRCUMSTANCES,BUSINESS,REPORTS,THEMSELVES,MAKE IT,EFFECTIVE,JANUARY 1,CREDIT REPORT,MEANS,REPORT,ENTERPRISE,LEGITIMATE,PURPOSE,THE FINANCIAL,STATUS,PAYMENT,SUBJECT,THE REPORT,SECTION,INSURANCE UNDERWRITING,CLAIMS,TERM,INFORMATION,RELATED,PERSON,AUTHORIZATION,CREDIT,ISSUER,CREDIT CARD,SIMILAR,DEVICE,OR 3,THIRD PARTY,DECISION,WITH RESPECT TO,REQUEST,COMMERCIAL CREDIT REPORTING,AGENCY,MONETARY,FEES,DUES,COOPERATIVE,NONPROFIT,BASIS,PARTIES,C,THE COMMERCIAL,COMPILED,AUGUST 2,PROTECT,IDENTITY,SOURCES,REPRESENTATIVE OF,CREDIT REPORTING AGENCY,SHALL,PRINTED,FORMAT,AVAILABLE,COST,GREATER THAN,THE COST,THE EVENT,STATEMENT,FACT,30 DAYS,RECEIPT,SUBDIVISION,FILE,WRITTEN,SUMMARY,WORDS,DISPUTED,NATURE,DISAGREEMENT,THE STATEMENT,DELETE,ITEM,INDICATION,WAIVER,PROVISIONS,CONTRARY,PUBLIC POLICY,VOID,UNENFORCEABLE,