Section 54-15-13 – Written confirmation of changes to report while security freeze in place.
54-15-13. Written confirmation of changes to report while security freeze in place. If a security freeze is in place, a consumer reporting agency may not change any name, date of birth, social security number, or address in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days […]
Section 54-15-14 – Resellers of credit information not required to place security freeze.
54-15-14. Resellers of credit information not required to place security freeze. No consumer reporting agency is required to place a security freeze in a consumer credit report if the consumer reporting agency acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency […]
Section 54-15-15 – Certain entities not required to place security freeze .
54-15-15. Certain entities not required to place security freeze. The following entities are not required to place a security freeze in a consumer credit report pursuant to this chapter: (1)A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, […]
Section 54-15-16 – Furnishing of information to governmental agency when security freeze in place.
54-15-16. Furnishing of information to governmental agency when security freeze in place. A consumer reporting agency may furnish to a governmental agency a consumer’s name, address, former address, places of employment, or former places of employment even if a security freeze is in place. Source: SL 2006, ch 246, §16.
Section 54-15-17 – Fee for placement or removal of security freeze prohibited.
54-15-17. Fee for placement or removal of security freeze prohibited. A consumer reporting agency is prohibited from charging a fee for a placement or removal of a security freeze under this chapter. Source: SL 2018, ch 273, §2.
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 […]
Section 54-15-10 – Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information.
54-15-10. Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information. If a consumer requests a security freeze, the consumer reporting agency shall disclose the process of placing and temporarily lifting a freeze, and the process for allowing access to information from the consumer’s credit report for a specific […]
Section 54-15-11 – Removal of security freeze–Request for removal.
54-15-11. Removal of security freeze–Request for removal. A security freeze under §54-15-4 shall remain in place until the consumer reporting agency receives a request from the consumer to remove the freeze. A consumer reporting agency shall remove a security freeze within three business days of receiving a request for removal from the consumer. If making […]
Section 54-15-12 – Use of credit report by certain persons and entities not subject to chapter.
54-15-12. Use of credit report by certain persons and entities not subject to chapter. This chapter does not apply to the use of a consumer credit report by any of the following: (1)A person, or a subsidiary, affiliate, or agent of that person, or an assignee of a financial obligation owed by the consumer to […]
Section 54-15-2 – Security freeze defined.
54-15-2. Security freeze defined. For the purposes of this chapter, a security freeze is a notice placed in a consumer’s credit report, at the request of the consumer and subject to certain exceptions, that prohibits the consumer reporting agency from releasing the consumer’s credit report, relating to the extension of credit involving that consumer’s report, […]