§ 4-112-102. Definitions
As used in this chapter: (1) “Consumer” means an individual; (2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009; (3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009; (4) “Credit report” means […]
§ 4-112-103. Placement of security freeze
(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 […]
§ 4-112-104. Access to credit report — Notification of unauthorized access
(a) If the consumer wishes to allow his or her credit report to be accessed for a specific period of time while a security freeze is in place, he or she shall contact the consumer reporting agency using a method of contact designated by the consumer reporting agency requesting that the security freeze be temporarily […]
§ 4-112-105. Removal of security freeze
(a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following cases: (1) Upon the consumer’s request under § 4-112-104 or § 4-112-106; or (2) If the credit report of the consumer was frozen due to a material misrepresentation of fact by […]