Section 445.2542 – Injunctive or Judicial Relief.
445.2542 Injunctive or judicial relief. Sec. 32. The attorney general may apply to the circuit court for Ingham county, or to the circuit court for the county in which a violation of this act is alleged to have occurred or in which the person that allegedly violated this act resides or is located, for injunctive […]
Section 445.2534 – Removal of Security Freeze for Protected Consumer; Time Requirement.
445.2534 Removal of security freeze for protected consumer; time requirement. Sec. 24. Within 30 days after receiving a request that meets the requirements of section 23, a consumer reporting agency shall remove a security freeze for the protected consumer. History: 2013, Act 229, Eff. Jan. 1, 2014
Section 445.2535 – Removal of Security Freeze for Protected Consumer; Material Misrepresentation of Fact.
445.2535 Removal of security freeze for protected consumer; material misrepresentation of fact. Sec. 25. A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the […]
Section 445.2541 – Fee; Prohibition.
445.2541 Fee; prohibition. Sec. 31. A consumer reporting agency may not charge a fee for the placement, temporary lifting, or removal of a security freeze for a consumer under article 2 or for a protected consumer under article 3. History: 2013, Act 229, Eff. Jan. 1, 2014 ;– Am. 2018, Act 76, Eff. June 17, […]
Section 445.2521 – Placement of Security Freeze on Consumer’s Credit Report; Conditions; Days.
445.2521 Placement of security freeze on consumer’s credit report; conditions; days. Sec. 11. (1) A consumer reporting agency shall place a security freeze on a consumer’s credit report if all of the following are met: (a) The consumer reporting agency receives a request from the consumer for the placement of the security freeze under this […]
Section 445.2522 – Placement of Security Freeze on Consumer’s Credit Report; Duties of Consumer Reporting Agency.
445.2522 Placement of security freeze on consumer’s credit report; duties of consumer reporting agency. Sec. 12. Within 5 business days after placing a security freeze on a consumer’s credit report under section 11, the consumer reporting agency shall do all of the following: (a) Send a written confirmation of the security freeze to the consumer. […]
Section 445.2523 – Release of Credit Report or Information; Express Prior Authorization Required.
445.2523 Release of credit report or information; express prior authorization required. Sec. 13. Except as provided in section 14, if a security freeze is in place, a consumer reporting agency may not release a consumer’s credit report or any information derived from a consumer’s credit report without the express prior authorization of the consumer. History: […]
Section 445.2524 – Temporary Lifting of Security Freeze.
445.2524 Temporary lifting of security freeze. Sec. 14. (1) A consumer who does all of the following may temporarily lift a security freeze to allow access to the consumer’s credit report by a specific person or for a specific period of time while the security freeze is in place: (a) Contacts the consumer reporting agency […]
Section 445.2525 – Incomplete Credit Application.
445.2525 Incomplete credit application. Sec. 15. If, in connection with an application for credit or for any other use, a person requests access to a consumer’s credit report while a security freeze is in place and the consumer does not authorize access to the consumer’s credit report, the person may treat the application as incomplete. […]
Section 445.2526 – Duration of Security Freeze.
445.2526 Duration of security freeze. Sec. 16. A security freeze on a consumer’s credit report shall remain in place until 1 of the following occurs: (a) The freeze is temporarily lifted at the consumer’s request under section 14. (b) The freeze is removed at the consumer’s request under section 17. (c) The freeze is removed […]