Section 28-52-101 – SHORT TITLE.
28-52-101. SHORT TITLE. This chapter shall be known and cited as the "Credit Report Protection Act." History: [28-52-101, added 2008, ch. 177, sec. 2, p. 523.]
Section 28-52-102 – DEFINITIONS.
28-52-102. DEFINITIONS. In this chapter: (1) "Consumer" means a natural person. (2) "Consumer reporting agency" means a person who, for fees, dues or on a cooperative basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer’s credit or other information for the purpose of furnishing a […]
Section 28-52-103 – SECURITY FREEZE.
28-52-103. SECURITY FREEZE. (1) A consumer may place a security freeze on the consumer’s credit report by: (a) Making a request to a consumer reporting agency in writing by regular or certified mail at an address designated by the consumer reporting agency to receive the request; (b) Providing proper identification; and (c) Paying the fee […]
Section 28-52-104 – REMOVAL OF SECURITY FREEZE — REQUIREMENTS AND TIMING.
28-52-104. REMOVAL OF SECURITY FREEZE — REQUIREMENTS AND TIMING. (1) A consumer reporting agency may remove a security freeze from a consumer’s credit report only if the consumer reporting agency receives the consumer’s request through a contact method established and required in accordance with subsection (6) of section 28-52-103, Idaho Code, and the consumer reporting […]
Section 28-52-105 – EXCEPTIONS.
28-52-105. EXCEPTIONS. (1) Notwithstanding subsection (1) of section 28-52-103, Idaho Code, a consumer reporting agency may furnish a consumer’s credit report to a third party if the purpose of the credit report is to: (a) Use the credit report for purposes permitted under 15 U.S.C. section 1681b(c); (b) Review the consumer’s account with the third […]
Section 28-52-106 – FEES FOR SECURITY FREEZE.
28-52-106. FEES FOR SECURITY FREEZE. (1) Except as provided in subsection (2) of this section, a consumer reporting agency may not charge an administrative fee to a consumer for the first placement of a security freeze during a twelve (12) month period, and for the first temporary lift of a security freeze during a twelve […]
Section 28-52-107 – CHANGES TO INFORMATION IN A CREDIT REPORT SUBJECT TO A SECURITY FREEZE.
28-52-107. CHANGES TO INFORMATION IN A CREDIT REPORT SUBJECT TO A SECURITY FREEZE. (1) If a credit report is subject to a security freeze, a consumer reporting agency shall notify the consumer who is the subject of the credit report within thirty (30) days if the consumer reporting agency changes the consumer’s name, date of […]
Section 28-52-108 – PROTECTION OF PERSONAL INFORMATION.
28-52-108. PROTECTION OF PERSONAL INFORMATION. (1) Except as otherwise specifically provided by law, a person shall not intentionally communicate an individual’s social security number to the general public. (2) The state of Idaho, a department, agency, board, commission or other political subdivision may not employ or contract for the employment of an inmate in any […]
Section 28-52-109 – ENFORCEMENT.
28-52-109. ENFORCEMENT. (1) Except as otherwise specified in this section, any credit reporting agency that willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of: (a) Any actual damages sustained by the consumer as a result […]