-
(a) A consumer may request that a security freeze be placed on his or her consumer report by:
-
(1) Sending his or her request in writing by mail to a consumer reporting agency;
-
(2) Telephoning his or her request to a consumer reporting agency and providing over the telephone proper identification or certain personal identification information required by the consumer reporting agency; or
-
(3) Electronically forwarding his or her request to a consumer reporting agency through a secure electronic connection or a secure electronic mail connection if the connection is made available by the consumer reporting agency.
-
-
(b) A consumer reporting agency shall place a security freeze on a credit report of a consumer no later than three (3) business days after receiving from the consumer:
-
(1) A request as provided in subsection (a) of this section;
-
(2) Proper identification; and
-
(3) Payment of the required fee, if applicable.
-
-
(c) Within five (5) business days of the receipt of the information and any applicable fees under subsection (b) of this section, the consumer reporting agency shall:
-
(1) Send a written confirmation of the placement of the security freeze to the consumer; and
-
(2) Provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the release of his or her credit report for a specific period of time.
-
-
(d) At the time a consumer requests a security freeze, the consumer reporting agency shall disclose the process:
-
(1) Of placing a security freeze and temporarily lifting a security freeze; and
-
(2) For allowing access to information from the credit report of the consumer for a period of time while the security freeze is in place.
-
