Fair Credit Reporting Act (FCRA)

§ 614. Restrictions on investigative consumer reports [15 U.S.C. § 1681l]

Whenever a consumer reporting agency prepares an investigative consumer report, no
adverse information in the consumer report (other than information which is a matter of
public record) may be included in a subsequent consumer report unless such adverse
information has been verified in the process of making such subsequent consumer report, or
the adverse information was received within the three-month period preceding the date the
subsequent report is furnished.