§24-151. Written request for security freeze – Processing time – Confirmation of freeze and identification number – Disclosures.
A. A consumer may request that a security freeze be placed on his or her consumer report by sending a request in writing by certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive such requests. This subsection does not prevent a consumer reporting agency from advising […]
§24-152. Requests to temporarily lift freeze – Time for compliance – Request procedures.
A. If the consumer wishes to allow his or her consumer report to be accessed for a specific period of time while a 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 freeze be temporarily lifted, and […]
§24-153. Mandatory removal or temporary lifting of freeze – Notice to consumer – Third party requests.
A. A consumer reporting agency shall remove or temporarily lift a freeze placed on the consumer report of a consumer only in the following cases: 1. Upon consumer request, pursuant to Sections 4 and 6 of this act; or 2. If the consumer report of the consumer was frozen due to a material misrepresentation of […]
§24-154. Removal of freeze by consumer request – Identification required.
A. A security freeze shall remain in place until the consumer requests, using a method of contact designated by the consumer reporting agency, that the security freeze be removed. A consumer reporting agency shall remove a security freeze within three (3) business days of receiving such a request for removal from the consumer, who provides […]
§24-155. Exceptions.
The provisions of this act do not apply to the use of a consumer credit report by any of the following: 1. A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a […]
§24-156. Fees – Written notice of changes.
A. This act does not prevent a consumer reporting agency from charging a fee of no more than Ten Dollars ($10.00) to a consumer for each freeze, removal of the freeze, or temporary lifting of the freeze for a period of time, regarding access to a consumer credit report. B. A consumer reporting agency shall […]
§24-157. Entities not required to place security freeze.
The following entities are not required to place a security freeze on a consumer report: 1. A consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent database […]
§24-158. Notice of rights.
At any time a consumer is required to receive a summary of rights required under Section 1681g of Title 15 of the United States Code, the following notice shall be included: “Oklahoma Consumers Have the Right to Obtain a Security Freeze. You have a right to place a “security freeze” on your credit report, which […]
§24-143. Fees – Administrator’s investigation – Issuance or denial of license.
A. Upon the filing of an application and bond, payment of an annual license fee and an investigation fee, the Administrator of Consumer Credit shall conduct an investigation. If the Administrator finds that the financial responsibility, experience, character and general fitness of the applicant are such as to warrant belief that the business will be […]
§24-159. Failure to comply – Use of false pretenses – Penalties.
A. Any person who willfully fails to comply with any requirement imposed under the provisions of this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: 1. Any actual damages sustained by the consumer; and 2. In the case of any successful action to enforce […]