Article 3 does not apply to any of the following entities or uses:

    (a) A person that is acting under a court order, warrant, or subpoena.

    (b) A person that administers a credit file monitoring subscription service to which a consumer or protected consumer has subscribed.

    (c) A person that provides a consumer or the consumer's representative with a copy of the consumer's credit report on request of the consumer or the representative.

    (d) A check services or fraud prevention services company that issues any of the following:

    (i) Reports on incidents of fraud.

    (ii) Authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods.

    (e) A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, or automated teller machine abuse or provides similar information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.

    (f) A consumer reporting agency database or file that consists entirely of consumer information concerning, and used solely for, 1 or more of the following:

    (i) Criminal record information.

    (ii) Personal loss history information.

    (iii) Fraud prevention or detection.

    (iv) Employment screening.

    (v) Tenant screening.

    (g) A consumer reporting agency that meets both of the following:

    (i) It is only engaged in reselling resell credit information by assembling and merging information contained in a database of 1 or more consumer reporting agencies.

    (ii) It does not maintain a permanent database of credit information it obtains for purposes of subparagraph (i).