; and (2) the term tenant rating agency means a nationwide specialty consumer reporting agency described in section 603(x)(2) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(x)(2) ). (b) Amendments to the Fair Credit Reporting Act The Fair Credit Reporting Act ( 15 U.S.C. 1601 et seq.) is amended— (1) in section 605 ( 15 U.S.C. 1681c ), by adding at the end the following: (i) Housing court records A consumer reporting agency may not make a consumer report containing a landlord-tenant court or other housing court record, unless— (1) the case to which the record pertains resulted in a judgment of possession; (2) the decision of the court in the case to which the record pertains is not being appealed; and (3) the record antedates the consumer report by not more than 3 years. ; (2) in section 611(a) ( 15 U.S.C. 1681i(a) )— (A) in paragraph (1)(A), by inserting or by submitting a notice of the dispute through the centralized source described in section 612(a)(1)(B) or the centralized source required to be established under section 721(c) of the Jobs and Justice Act of 2018 after through a reseller ; and (B) in paragraph (2)— (i) in subparagraph (A)— (I) by striking or a reseller and inserting a reseller, or a centralized source ; and (II) by striking or reseller and inserting reseller, or centralized source ; and (ii) in subparagraph (B), by striking or the reseller and inserting the reseller, or the centralized source ; (3) in section 615 ( 15 U.S.C. 1681m ), by adding at the end the following: (i) Additional duty of users taking adverse actions on the basis of housing court records contained in consumer reports If any person takes any adverse action with respect to a consumer that is based in whole or in part on a landlord-tenant court or other housing record contained in a consumer report, the person shall provide to the consumer a free copy of the consumer report used by the person in taking the adverse action.