; table of contents. Sec. 2. Findings. Sec. 3. Effective date. Sec. 4. General Bureau rulemaking. Title I—Improvements to the Dispute Process Sec. 101. Dispute procedures and disclosures relating to reinvestigations. Sec. 102. Consumer awareness of dispute rights. Sec. 103. Maintenance of records by furnishers. Sec. 104. Duties of furnishers relating to dispute procedures, notices, and disclosures. Sec. 105. Right to appeal disputes relating to reinvestigations and investigations. Sec. 106. Revised consumer reports. Sec. 107. Indication of dispute by consumers and use of disputed information. Sec. 108. Accuracy and completeness report duties for consumer reporting agencies and furnishers. Sec. 109. Inclusion of public record data sources in consumer reports. Sec. 110. Injunctive relief for victims. Title II—Prohibition on Misleading and Unfair Consumer Reporting Practices Sec. 201. Prohibition on automatic renewals for promotional consumer reporting and credit scoring products and services. Sec. 202. Prohibition on misleading and deceptive marketing related to the provision of consumer reporting and credit scoring products and services. Sec. 203. Prohibiton on excessive direct-to-consumer sales. Sec. 204. Fair access to consumer reporting and credit scoring disclosures for nonnative English speakers and the visually and hearing impaired. Sec. 205. Comparison shopping for loans without harm to credit standing. Sec. 206. Nationwide consumer reporting agencies registry. 2. Findings Congress finds the following: (1) General findings (A) Consumer reporting agencies ( CRAs ) are companies that collect, compile, and provide information about consumers in the form of consumer reports for certain permissible statutory purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) ( FCRA ). The three largest CRAs in this country are Equifax, TransUnion, and Experian. These CRAs are referred to as nationwide CRAs and the reports that they prepare are commonly referred to as credit reports. Furnishers, such as