; (ii) revoking an offer of credit made to the consumer by the creditor; (iii) changing the terms of an existing credit arrangement with the consumer; or (iv) refusing to grant credit to the consumer in a substantially similar amount or on substantially similar terms requested by the consumer; (B) furnishing negative information relating to the creditworthiness of the consumer by or to a consumer reporting agency; or (C) except as otherwise provided in this title, a creditor or consumer reporting agency noting in the file of the consumer that the consumer is or was an active duty military consumer. ; (2) in section 605A ( 15 U.S.C. 1681c–1 )— (A) in subsection (c)— (i) by redesignating paragraphs (1), (2), and (3) as subparagraphs (A), (B), and (C), respectively, and adjusting the margins accordingly; (ii) in the matter preceding subparagraph (A), as so redesignated, by striking Upon and inserting the following: (1) In general Upon ; and (iii) by adding at the end the following: (2) Negative information notification If a consumer reporting agency receives an item of adverse information about a consumer who has provided appropriate proof that the consumer is an active duty military consumer, the consumer reporting agency shall promptly notify the consumer, with a frequency, in a manner, and according to a timeline determined by the Bureau or specified by the consumer— (A) that the consumer reporting agency has received the item of adverse information, along with a description of the item