; and (D) a statement that the consumer may obtain, free of charge and within the 12-month period following the date the notice under this paragraph was sent to the consumer, a consumer report and credit score or educational score (if applicable) from the consumer reporting agency, regardless of whether the consumer obtained or will obtain their free annual consumer report and credit score or educational score (if applicable) under section 612. (7) No excuse for failure to conduct reinvestigation A consumer reporting agency may not refuse to conduct a reinvestigation under this subsection because the agency determines that the dispute was submitted by an authorized third party, unless the agency has clear and convincing evidence that the third party is not authorized to submit the dispute on the consumer’s behalf. If the consumer reporting agency refuses to reinvestigate a dispute for these reasons, it shall provide a clear and conspicuous notice to the consumer explaining the reasons for the refusal and describing the specific information the consumer is required to provide for the agency to conduct the reinvestigation. . (b) Ensuring consumer reporting agencies furnish certain notifications without charge Section 611(d) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i(d) ) is amended by inserting and without charge after request of the consumer . (c) Including specialty consumer reporting agencies in reports (1) In general Section 611(e) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i(e) ) is amended by inserting or 603(x) after section 603(p) . (2) Technical amendment Paragraph (1) of such section ( 15 U.S.C. 1681i(e)(1) ) is amended by striking The Commission and inserting The Bureau . (d) Conforming amendments Such Act is further amended— (1) in section 605B(c)(2), by striking section 611(a)(5)(B) and inserting section 611(a)(5) ; (2) in section 611— (A) in subsection (c), by striking unless there is reasonable grounds to believe that it is frivolous or irrevelant,