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 […]
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. […]
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: […]
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 […]
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. […]
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 […]
445.2527 Removal of security freeze. Sec. 17. (1) A consumer reporting agency shall remove a security freeze on a consumer’s credit report if the consumer does all of the following: (a) Contacts the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency for […]
