; notices by furnishers to consumers of reporting of negative items to consumer reporting agencies. Sec. 103. Creates reasonable dispute procedures for consumer reporting agencies and meaningful disclosures to consumers about reinvestigations. Sec. 104. Increases consumers’ awareness of dispute rights and tools for challenging errors. Sec. 105. Enhances accuracy and completeness duties for consumer reporting agencies and furnishers. Sec. 106. Requires furnishers to maintain records necessary to verify accuracy of disputes. Sec. 107. Establishes new requirements on consumer reporting agencies when notified of inaccurate or incomplete information from furnishers. Sec. 108. Indication of dispute by consumers and use of disputed information. Sec. 109. Inclusion of public record data sources in consumer reports. Sec. 110. Injunctive relief for victims. Title II—Restricting the use of credit checks for employment decisions Sec. 201. Bans the use of credit information for most employment decisions. Title III—Rehabilitating the credit standing of struggling private education loan borrowers Sec. 301. Removes adverse information for certain defaulted or delinquent private education loan borrowers who demonstrate a history of loan repayment. Sec. 302. Private education loan definitions. Title IV—Restoring the impaired credit of victims of predatory activities and unfair consumer reporting practices Sec. 401. Shortens the time period that most adverse credit information stays on consumer reports. Sec. 402. Mandates the expedited removal of fully paid or settled debt from consumer reports. Sec. 403. Imposes restrictions on the appearance of medical collections on consumer reports and requires the expedited removal of fully paid or settled medical collections from consumer reports. Sec. 404. Provides credit restoration for victims of predatory mortgage lending and servicing. Sec. 405. Provides credit relief for private education loans borrowers who were defrauded or mislead by proprietary education institution or career