Section 3.12 - Reporting of debts to Credit Reporting Agencies(a) In demand letters to debtors sent in accordance with § 3.11 , agencies will inform debtors:(1) The intent of the agency to report the delinquent debt to credit reporting agencies after 60 days;(2) The specific information to be transmitted (that is, name, address, and taxpayer identification number, information about the debt);(3) The actions which may be taken by the debtor to prevent the reporting (that is, repayment in full or a repayment agreement); and(4) The rights of the debtor to request review of the existence of the debt in accordance with subpart F of this part.(b) Disclosure of delinquent consumer debts must be consistent with the requirements of 31 U.S.C. 3711(e) , the Privacy Act of 1974 ( 5 U.S.C. 552a ), the Bankruptcy Code, and 31 CFR 901.4 .(c) When an agency has given a debtor any of the notices required by this part and an opportunity for administrative review under subpart F of this part, the agency need not duplicate such notice and review opportunities before reporting the delinquent debt to credit reporting agencies.(d) Agencies will not disclose a delinquent debt to a credit reporting agency if a debtor requests review under subpart F of this part until a final determination is made by a reviewing official that upholds the agency intent to disclose.