It is prohibited for an installment seller, loan-affiliated installment seller, comprehensive credit purchase intermediary, individual credit purchase intermediary, or the officer or employee of any of these to request a credit bureau to provide it with credit information for purposes other than an investigation into a user's (meaning a user as prescribed in Article 2, paragraph (1), item (ii) or a user as prescribed in paragraph (3), item (i) of that Article; the same applies below in this Article), purchaser's, or service recipient's ability to pay, for it to use the credit information it receives from a credit bureau for purposes other than investigating the matters of such a person's ability to pay; or for it to provide that information to a third party.
割賦販売業者、ローン提携販売業者、包括信用購入あつせん業者若しくは個別信用購入あつせん業者又はこれらの役員若しくは職員は、利用者（第二条第一項第二号に規定する利用者及び同条第三項第一号に規定する利用者をいう。以下この条において同じ。）又は購入者若しくは役務の提供を受ける者の支払能力に関する事項の調査以外の目的のために信用情報機関に信用情報の提供の依頼をし、又は信用情報機関から提供を受けた信用情報を支払能力に関する事項の調査以外の目的に使用し、若しくは第三者に提供してはならない。
It is prohibited for a credit bureau to use credit information for purposes other than an investigation into the matters of a user's, purchaser's, or service recipient's ability to pay.
A credit bureau must endeavor to provide accurate credit information to installment sellers, loan-affiliated installment sellers, comprehensive credit purchase intermediaries, and individual credit purchase intermediaries.
信用情報機関は、正確な信用情報を割賦販売業者、ローン提携販売業者、包括信用購入あつせん業者及び個別信用購入あつせん業者に提供するよう努めなければならない。
Read this with the articles around it
installment seller
「割賦販売業者」
A person whose business is installment sales (割賦販売).
Short name set inArticle 3, paragraph (1)
loan-affiliated installment seller
「ローン提携販売業者」
A person whose business is loan-affiliated installment sales (ローン提携販売).
Short name set inArticle 29-2, paragraph (1)
comprehensive credit purchase intermediary
「包括信用購入あつせん業者」
A person whose business is the intermediation of comprehensive credit purchases (包括信用購入あつせん) — a credit card company, for example.
Short name set inArticle 30, paragraph (1)
individual credit purchase intermediarymachine translation
「個別信用購入あつせん業者」
A person whose business is the intermediation of individual credit purchases (個別信用購入あつせん).
Short name set inArticle 35-3-2, paragraph (1)
credit informationmachine translation
「信用情報」
In Articles 35-3-41, 38 and 39, information on the ability to pay of users (利用者) given a card or similar means under Article 2, paragraph (1), item (ii) or paragraph (3), item (i), or of purchasers or service recipients.
Defined inArticle 35-3-41, paragraph (1)· applies only in this provision and in Articles 38 and 39
jointly incorporated credit bureau
「信用情報機関」
A person whose business is collecting credit information (信用情報) and providing it to installment sellers (割賦販売業者) and loan-affiliated installment sellers (ローン提携販売業者) — a credit bureau, which Article 38 asks those sellers to set up together and use.
Defined inArticle 38, paragraph (1)
user
「利用者」
In Article 39, a user in either sense: a person given a card or similar means (カード等) for installment sales under Article 2, paragraph (1), item (ii), or for the intermediation of comprehensive credit purchases (包括信用購入あつせん) under Article 2, paragraph (3), item (i).
Defined inArticle 39, paragraph (1)· applies only in this article