Section 54-16-2 – Security freeze for protected consumer upon request to consumer reporting agency by protected consumer’s representative.
54-16-2. Security freeze for protected consumer upon request to consumer reporting agency by protected consumer’s representative. A consumer reporting agency shall place a security freeze for a protected consumer if the agency receives a request from the protected consumer’s representative for the placement of the security freeze under this section and the protected consumer’s representative: […]
Section 54-16-3 – Application of chapter.
54-16-3. Application of chapter. This chapter does not apply to the use of a protected consumer’s credit report or record by: (1)A person administering a credit file monitoring subscription service to which the protected consumer has subscribed or the representative of the protected consumer has subscribed on behalf of the protected consumer; (2)A person providing […]
Section 54-16-4 – Time for placing security freeze.
54-16-4. Time for placing security freeze. Within thirty days after receiving a request that meets the requirements of this chapter, a consumer reporting agency shall place a security freeze for the protected consumer. Source: SL 2016, ch 230, §4.
Section 54-16-5 – Release of report or information prohibited.
54-16-5. Release of report or information prohibited. Unless a security freeze for a protected consumer is removed in accordance with §54-16-7 or 54-16-10, a consumer reporting agency may not release the protected consumer’s credit report, any information derived from the protected consumer’s credit report, or any record created for the protected consumer. Source: SL 2016, […]
Section 54-16-6 – Duration of security freeze.
54-16-6. Duration of security freeze. A security freeze for a protected consumer placed under §54-16-4 shall remain in effect until: (1)The protected consumer or the protected consumer’s representative requests the consumer reporting agency to remove the security freeze in accordance with §54-16-7; or (2)The security freeze is removed in accordance with §54-16-10. Source: SL 2016, […]
Section 54-16-7 – Request for removal of security freeze.
54-16-7. Request for removal of security freeze. If a protected consumer or a protected consumer’s representative wishes to remove a security freeze for the protected consumer, the protected consumer or the protected consumer’s representative shall submit a request for the removal of the security freeze to the consumer reporting agency in the manner specified by […]
Section 54-16-8 – Time for removal of security freeze upon request.
54-16-8. Time for removal of security freeze upon request. Within thirty days after receiving a request that meets the requirements of §54-16-7, the consumer reporting agency shall remove the security freeze for the protected consumer. Source: SL 2016, ch 230, §8.
Section 54-16-9 – Fees of consumer reporting agency.
54-16-9. Fees of consumer reporting agency. A consumer reporting agency may charge a reasonable fee, not exceeding five dollars, for each placement or removal of a security freeze for a protected consumer. However, no consumer reporting agency may charge a fee under this section if the protected consumer’s representative provides a police report or affidavit […]
Section 54-16-10 – Removal of security freeze based on material misrepresentation.
54-16-10. Removal of security freeze based on material misrepresentation. 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 protected consumer or the protected […]
Section 54-15-9 – Treatment of credit or other application as incomplete for denial of limited access to credit information.
54-15-9. Treatment of credit or other application as incomplete for denial of limited access to credit information. If a third party requests access to a consumer credit report on which a security freeze is in effect, and this request is in connection with an application for credit or any other use, and the consumer does […]