; and (4) by adding at the end the following: 630. Civil liability for creating reports with inaccurate housing court records Any person who willfully makes a consumer report with respect to a consumer that contains an inaccurate landlord-tenant court or other housing record is liable to the consumer in an amount equal to the sum of— (1) any actual damages sustained by the consumer as a result of making that consumer report or damages of not less than $500 and not more than $1,500; (2) such amount of punitive damages as the court may allow; and (3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court. . (c) Regulations applicable to clearinghouse system Not later than 1 year after the date of enactment of this Act, the Bureau of Consumer Financial Protection shall issue regulations— (1) applicable to tenant rating agencies to require the establishment of— (A) a centralized source through which consumers may— (i) obtain a consumer report from each such tenant rating agency once during any 12-month period, using a single request, and without charge to the consumer, as provided in section 612(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(a) ); and (ii) submit a notice of a dispute of inaccurate information, as provided in section 611(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i(a) ); and (B) a standardized form for a consumer to make a request for a consumer report under subparagraph (A)(i) or submit a notice of dispute under subparagraph (A)(ii) by mail or through an Internet website