Section 445.2527 – Removal of Security Freeze.
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 […]
Section 445.2531 – Placement of Security Freeze on Protected Consumer’s Credit Report; Requirements; Record; Days.
445.2531 Placement of security freeze on protected consumer’s credit report; requirements; record; days. Sec. 21. (1) A consumer reporting agency shall place a security freeze on a protected consumer’s credit report if all of the following are met: (a) The consumer reporting agency receives a request from the representative of the protected consumer for the […]
Section 445.2532 – Release of Protected Consumer’s Credit Report, Information, or Record; Duration of Security Freeze.
445.2532 Release of protected consumer’s credit report, information, or record; duration of security freeze. Sec. 22. (1) If a security freeze is in place, a consumer reporting agency may not release a protected consumer’s credit report, any information derived from the protected consumer’s credit report, or any record created for the protected consumer. (2) A […]
Section 445.2533 – Removal of Security Freeze for Protected Consumer.
445.2533 Removal of security freeze for protected consumer. Sec. 23. A consumer reporting agency shall remove a security freeze for a protected consumer placed under section 21 within 30 days after the protected consumer or the protected consumer’s representative does all of the following: (a) Submits a request for the removal of the security freeze […]
Section 445.2511 – Short Title.
445.2511 Short title. Sec. 1. This act shall be known and may be cited as the “security freeze act”. History: 2013, Act 229, Eff. Jan. 1, 2014
Section 445.2512 – Definitions.
445.2512 Definitions. Sec. 2. As used in this act: (a) “Consumer” means an individual who resides in this state. (b) “Consumer reporting agency” means any person that, for monetary fees or dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information […]
Section 445.2513 – Inapplicability of Article 2 to Certain Entities or Uses.
445.2513 Inapplicability of Article 2 to certain entities or uses. Sec. 3. Article 2 does not apply to any of the following entities or uses: (a) A person, or a subsidiary, affiliate, agent, or assignee of a person, with which the consumer has, or before assignment had, an account, contract, or debtor-creditor relationship, for the […]
Section 445.2514 – Inapplicability of Article 3 to Certain Entities or Uses.
445.2514 Inapplicability of Article 3 to certain entities or uses. Sec. 4. Article 3 does not apply to any of the following entities or uses: (a) A person that is acting under a court order, warrant, or subpoena. (b) A person that administers a credit file monitoring subscription service to which a consumer or protected […]