; (B) after verifying the identity of the individual; (C) at least 1 time per year; (D) at no cost to the individual; and (E) in a format that can be readily understood by a consumer, as determined by the Commission. (3) Period of review A covered data broker shall provide an individual the means required under paragraph (1) within such period after receiving a request from such individual as the Commission shall determine, by rule, is appropriate. (4) Exceptions The Commission may, by rule, establish such exceptions to paragraph (1) as the Commission considers appropriate, such as for child protection, law enforcement, fraud prevention, or other government purposes. (5) Limitation on use of verifying information If a covered data broker collects information from an individual to verify the identity of the individual under paragraph (2)(B) that the data broker did not have before such collection, the data broker may not use such information for any purpose other than for purposes of verifying the identity of the individual under such paragraph. (c) Disputed information (1) In general An individual whose personal information is maintained by a covered data broker may dispute the accuracy of any information described under subsection (b)(1) by requesting, in writing, that the covered data broker correct the information. (2) Correction requirements A covered data broker, after verifying the identity of an individual making a request under paragraph (1) to correct information, and unless there are reasonable grounds to believe the request is frivolous or irrelevant, shall— (A) with regard to public record information— (i) inform the individual of the source of the information and, if reasonably available, where to direct the individual's request for correction; or (ii) if the individual provides proof that the public record has been corrected or that the covered data broker was reporting the information incorrectly, correct the inaccuracy in the covered data broker's records