; ; and (iii) in paragraph (5), as so redesignated— (I) in the matter preceding subparagraph (A), by striking of the consumer's right ; (II) by striking subparagraph (A) and inserting the following: (A) that the consumer shall receive a copy of the consumer report with respect to the consumer, free of charge, from the consumer reporting agency that furnished the consumer report; and ; and (III) in subparagraph (B), by inserting of the right of the consumer before to dispute . (2) Notification in cases of less favorable terms Section 615(h) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m(h) ) is amended— (A) in paragraph (1), by striking paragraph (6) and inserting paragraph (7) ; (B) in paragraph (2), by striking paragraph (6) and inserting paragraph (7) ; (C) in paragraph (5)(C), by striking may obtain and inserting shall receive ; (D) by redesignating paragraphs (6), (7), and (8) as paragraphs (7), (8), and (9), respectively