FCRA Block of Information Resulting from Identity Theft 15 U.S.C. § 1681c-2
Upon receiving an identity-theft report, CRAs must block fraudulent tradelines within 4 business days and notify furnishers. Furnishers may not sell or place such debts for collection.
Key provisions
- 4-business-day block deadline
- Notification duty to data furnishers
- Ban on selling identity-theft debts
Query this statute via API
Royal Ruby returns structured citations, plain-English summaries, reporting timelines, and statutes of limitations for this and related statutes. $0.05 per call, USDC on Base mainnet via x402 — no API keys, no signup.
curl -X POST https://royal-ruby-x402.fly.dev/api/law-lookup \
-H 'Content-Type: application/json' \
-d '{"topic": "FCRA Block of Information Resulting from Identity Theft", "statute": "15 U.S.C. § 1681c-2"}'
# -> 402 challenge: $0.05 USDC on Base (eip155:8453), payTo 0x9b8a...f72f
# Settle with any x402 client (@x402/fetch, MCP x402 tools), replay with payment header.
Full background and the service fleet: RAEN blog — Live x402 Agent APIs. Information only — not legal advice.