# Tenn. Code Ann. § 47-18-1005: Contents of information statement > Tennessee · Statutes · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-1005 ## Section - **Citation:** Tenn. Code Ann. § 47-18-1005 - **Heading:** Contents of information statement - **Jurisdiction:** Tennessee - **Kind:** Statutes - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** TN Code / Title 47 / Chapter 18 / Section 47-18-1005 ## Text The information statement required under § 47-18-1004 shall include all of the following: (1) (A) A complete and accurate statement of the consumer's right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681g ); (B) A statement that a copy of the consumer report containing all information in the consumer's file will be furnished free of charge by the consumer reporting agency, if requested by the consumer within thirty (30) days from receipt of the consumer's request; and (C) A statement that a nominal charge, not to exceed eight dollars ($8.00), may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within sixty (60) days from receipt of the consumer's request. (2) A complete and accurate statement of the consumer's right to dispute the completeness or accuracy of any item contained in any file on the consumer that is maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681i ); (3) A complete and detailed description of the services to be performed by the credit services business for or on behalf of the consumer, and the total amount the consumer will have to pay, or become obligated to pay, for the services; (4) (A) Name and address of the surety company which issued the bond in accordance with § 47-18-1011 ; (B) A statement explaining the consumer's right to proceed against the bond; and (5) A complete and accurate statement of the availability of nonprofit credit counseling. Acts 1988, ch. 897, § 5; 1998, ch. 854, §§ 4, 10. The information statement required under § 47-18-1004 shall include all of the following: (1) (A) A complete and accurate statement of the consumer's right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681g ); (B) A statement that a copy of the consumer report containing all information in the consumer's file will be furnished free of charge by the consumer reporting agency, if requested by the consumer within thirty (30) days from receipt of the consumer's request; and (C) A statement that a nominal charge, not to exceed eight dollars ($8.00), may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within sixty (60) days from receipt of the consumer's request. (A) A complete and accurate statement of the consumer's right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681g ); (B) A statement that a copy of the consumer report containing all information in the consumer's file will be furnished free of charge by the consumer reporting agency, if requested by the consumer within thirty (30) days from receipt of the consumer's request; and (C) A statement that a nominal charge, not to exceed eight dollars ($8.00), may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within sixty (60) days from receipt of the consumer's request. r within thirty (30) days from receipt of the consumer's request; and (C) A statement that a nominal charge, not to exceed eight dollars ($8.00), may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within sixty (60) days from receipt of the consumer's request. (2) A complete and accurate statement of the consumer's right to dispute the completeness or accuracy of any item contained in any file on the consumer that is maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681i ); (3) A complete and detailed description of the services to be performed by the credit services business for or on behalf of the consumer, and the total amount the consumer will have to pay, or become obligated to pay, for the services; (4) (A) Name and address of the surety company which issued the bond in accordance with § 47-18-1011 ; (B) A statement explaining the consumer's right to proceed against the bond; and (A) Name and address of the surety company which issued the bond in accordance with § 47-18-1011 ; (B) A statement explaining the consumer's right to proceed against the bond; and (5) A complete and accurate statement of the availability of nonprofit credit counseling. Acts 1988, ch. 897, § 5; 1998, ch. 854, §§ 4, 10. ## Nearby sections - [Tenn. Code Ann. § 47-18-101 Short title](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-101.md) - [Tenn. Code Ann. § 47-18-102 Purposes](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-102.md) - [Tenn. Code Ann. § 47-18-103 Part definitions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-103.md) - [Tenn. Code Ann. § 47-18-104 Unfair or deceptive acts prohibited](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-104.md) - [Tenn. Code Ann. § 47-18-106 Investigations - Requests for information - Penalties for noncompliance](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-106.md) - [Tenn. Code Ann. § 47-18-107 Assurance of voluntary compliance - Penalty for violation](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-107.md) - [Tenn. Code Ann. § 47-18-108 Restraining orders or injunctions - Penalty for violation](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-108.md) - [Tenn. Code Ann. § 47-18-109 Private right of action - Damages - Notice to attorney general](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-109.md) - [Tenn. Code Ann. § 47-18-110 Limitations of actions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-110.md) - [Tenn. Code Ann. § 47-18-111 Exemptions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-111.md) - [Tenn. Code Ann. § 47-18-112 Supplementary law](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-112.md) - [Tenn. Code Ann. § 47-18-113 Waiver of rights - Restrictions on jurisdiction or venue prohibited](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-113.md) - [Tenn. Code Ann. § 47-18-114 Powers of attorney general](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-114.md) - [Tenn. Code Ann. § 47-18-115 Construction](https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-115.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TN_T47_C18_S47-18-1005. Check the current official text before relying on it. Not legal advice.