Section 380-H - Restrictions on investigative consumer reports(a) Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in such 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, unless the adverse information was received within the three month period preceding the date upon which the subsequent report is furnished.(b) Each investigative consumer report shall be in writing, and a copy thereof shall be retained by the consumer reporting agency for at least one year after it is issued.N.Y. Gen. Bus. Law § 380-H