E "Year 2000 Consumer Protection Act"; providing an affirmative defense against claims or actions brought for failure to satisfy certain obligations due to year 2000 computer problems; authorizing consumers to dispute directly with or report to consumer reporting agencies items of information in individual consumer reports resulting from a year 2000 problem including negative credit information resulting from the inability of the consumer to transact financial business and make payments, specifying certain responsibilities of the agencies (ra, ja)