; and (B) the method by which the consumer can dispute the validity of the item. (3) Contact information for active duty military consumers With respect to any consumer that has provided appropriate proof to a consumer reporting agency that the consumer is an active duty military consumer, if the consumer provides the consumer reporting agency with separate contact information to be used when communicating with the consumer while the consumer is an active duty military consumer, the consumer reporting agency shall use such contact information for all communications while the consumer is an active duty military consumer. (4) Sense of Congress It is the sense of Congress that any person making use of a consumer report containing an item of adverse information should, if the action or inaction that gave rise to the item occurred while the consumer was an active duty military consumer, take such fact into account when evaluating the creditworthiness of the consumer. ; and (B) in subsection (e), by amending paragraph (3) to read as follows: (3) subparagraphs (A) and (B) of subsection (c)(1), in the case of a referral under subsection (c)(1)(C). ; and (4) in section 611(a)(1), by adding at the end the following: (D) Notice of dispute related to active duty military consumers With respect to any item of information described under subparagraph (A) that is under dispute, if the consumer has notified the consumer reporting agency, and provided appropriate proof, that the consumer was an active duty military consumer at the time the action or inaction that gave rise to the disputed item occurred, the consumer reporting agency shall include such fact in the consumer’s file and shall indicate that fact in each consumer report that includes the disputed item. .