Under the Consumer Credit and Protection Act, when can consumer reporting agencies not report credit information?

The Consumer Credit and Protection Act outlines specific conditions under which consumer reporting agencies are prohibited from reporting certain credit information. One significant requirement is that if a consumer has placed a security freeze on their credit information, the reporting agencies cannot disclose any information in the consumer's credit report. A security freeze is essentially a request made by a consumer to restrict access to their credit report, making it more challenging for identity thieves to open accounts in their name.

In contrast, the other options do not inherently prevent the reporting of credit information. For instance, if a consumer disputes information, the reporting agency is required to investigate the claim but can still report the information unless the dispute proves that the information is inaccurate. Similarly, while filing for bankruptcy can affect a consumer's credit reporting, it does not completely stop the reporting of credit information. A low credit score does not restrict the reporting of information either, as it reflects the consumer's creditworthiness but does not influence the ability to report.

Thus, the accurate answer reflects the established rights provided to consumers under the act in relation to security freezes, emphasizing consumer protection within the credit reporting framework.