§ 380-a. Definitions. As used in this article:\n (a) The term "person" means any individual, partnership, corporation,\ntrust, estate, co-operative, association, government or governmental\nsubdivision, agency or other entity.\n (b) The term "consumer" means an individual.\n (c) (1) The term "consumer report" means any written, oral, or other\ncommunication of any information by a consumer reporting agency bearing\non a consumer's credit worthiness, credit standing, credit capacity,\ncharacter, general reputation, personal characteristics, or mode of\nliving which is used or expected to be used or collected in whole or\npart for the purpose of serving as a factor in establishing the\nconsumer's eligibility for (i) credit or insurance to be used primarily\nfor personal, family, or household purposes, (ii) employment purposes,\nor (iii) other purposes authorized under section three hundred eighty-b\nof this article.\n (2) The term "consumer report" does not include (i) any report\ncontaining information solely as to transactions or experiences between\nthe consumer and the person making the report, (ii) any authorization or\napproval of a specific extension of credit directly or indirectly by the\nissuer of a credit card or similar device, or (iii) any report in which\na person who has been requested by a third party to make a specific\nextension of credit directly or indirectly to a consumer conveys his\ndecision with respect to such request, if the third party advises the\nconsumer of the name and address of the person to whom the request was\nmade and such person makes the disclosures to the consumer required\nunder section three hundred eighty-i of this article.\n (d) The term "investigative consumer report" means a consumer report\nor portion thereof in which information on a consumer's character,\ngeneral reputation, personal characteristics, or mode of living is\nobtained through personal interviews with neighbors, friends, or\nassociates of the consumer reported on or with others with whom he is\nacquainted or who may have knowledge concerning any such items of\ninformation. However, such information shall not include specific\nfactual information on a consumer's credit record obtained directly from\na creditor of the consumer or from a consumer reporting agency when such\ninformation was obtained directly from a creditor of the consumer or\nfrom the consumer.\n (e) The term "consumer reporting agency" means any person who, for\nmonetary fees, dues, or on a cooperative nonprofit basis, regularly\nengages in whole or in part in the practice of assembling or evaluating\nconsumer credit information or other information on consumers for the\npurpose of furnishing consumer reports or investigative consumer reports\nto third parties.\n (f) The term "file" when used in connection with information on any\nconsumer, means all of the information on that consumer recorded and\nretained by a consumer reporting agency regardless of how the\ninformation is stored.\n (g) The term "employment purposes" when used in connection with a\nconsumer report means a report used for the purpose of evaluating a\nconsumer for employment, promotion, reassignment or retention as an\nemployee.\n (h) The term "adverse information" means information that is likely to\nhave a negative effect upon the ability or eligibility of a consumer to\nobtain credit, insurance, employment, or other benefits, goods or\nservices or information that is either wholly or partially responsible\nfor increases in charges for credit or insurance.\n (i) The term "user" when discussed in connection with the use of a\nconsumer report means any person receiving or requesting a consumer\nreport or an investigative consumer report other than the subject\nthereof.\n (j) The term "medical information" means information or records\nobtained, with the consent of the individual to whom it relates, from\nlicensed physicians or medical practitioners, hospitals, clinics, or\no
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