; (2) in clause (iii), by striking extended fraud alert and inserting 7-year fraud alert ; and (3) in clause (iv), by striking fraud . (c) Amendment to exceptions for certain persons Section 605A(i)(4)(A) of the Consumer Credit Protection Act ( 15 U.S.C. 1681c–1(i)(4)(A) ) is amended to read as follows: (A) A person, or the person’s subsidiary, affiliate, agent, subcontractor, or assignee with whom the consumer has, or prior to assignment had, an authorized account, contract, or debtor-creditor relationship for the purposes of reviewing the active account or collecting the financial obligation owed on the account, contract, or debt. . (d) Effective date The amendments made by subsection (a) shall take effect on the date of the enactment of this Act. 205. Clarification of information to be included with agency disclosures Section 609(c)(2) of such Act ( 15 U.S.C. 1681g(c)(2) ) is amended— (1) in subparagraph (B)— (A) by striking consumer reporting agency described in section 603(p) and inserting consumer reporting agency described in subsection (p) or (x) of section 603 ; (B) by striking the agency and inserting such an agency ; and (C) by inserting and an Internet website address after hours ; and (2) in subparagraph (E), by striking outdated under section 605 or and inserting outdated, required to be removed, or . 206. Provides access to fraud records for victims Section 609(e) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g(e) ) is amended— (1) in paragraph (1)— (A) by striking resulting from identity theft ; (B) by striking claim of identity theft and inserting claim of fraudulent activity ; and (C) by striking any transaction alleged to be a result of identity theft and inserting any fraudulent transaction ; (2) in paragraph (2)(B)— (A) by striking identity theft, at the election of the business entity and inserting fraudulent activity ; (B) by amending clause (i) to read as follows: (i) a copy of an identity theft report; or