Relates to requiring consumer reporting agencies to provide a consumer's information to such consumer at no cost

This bill requires credit reporting companies to provide consumers with free access to all personal information they hold in their files upon request. It mandates that companies disclose the sources of the information (with limited exceptions for investigative reports) and the recipients of consumer reports within specific timeframes - two years for job-related requests and six months for other purposes. The law applies to any consumer who provides proper identification to request their data. Companies must provide this information at no cost, ensuring transparency about what data is collected and shared about individuals.