Effective 5/8/2018 13-45-201. Security freeze. (1) As used in this part: (a) “Security freeze” means a prohibition, consistent with the provisions of this section, on a consumer reporting agency’s furnishing of a consumer’s credit report to a third party intending to use the credit report to determine the consumer’s eligibility for credit. (b) “Unique personal […]
Effective 5/8/2018 13-45-202. Removal of security freeze — Requirements and timing. (1) A consumer reporting agency shall remove a security freeze from a consumer’s credit report only if: (a) (i) the consumer reporting agency receives the consumer’s request through the contact method established and required in accordance with Subsection 13-45-201(5); and (ii) the consumer reporting […]
13-45-203. Exceptions. (1) Notwithstanding Section 13-45-201, a consumer reporting agency may furnish a consumer’s credit report to a third party if: (a) (i) the purpose of the credit report is to: (A) use the credit report for purposes permitted under 15 U.S.C. Sec. 1681b(c); or (B) review the consumer’s account with the third party, including […]
Effective 5/8/2018 13-45-204. Fees for security freeze. (1) A consumer reporting agency may not charge a fee for placing, removing, or temporarily removing a security freeze. (2) A consumer reporting agency may not charge a fee to download or install a mobile application through which a person places or removes a security freeze. Amended by […]
13-45-205. Changes to information in a credit report subject to a security freeze. (1) If a credit report is subject to a security freeze, a consumer reporting agency shall notify the consumer who is the subject of the credit report within 30 days if the consumer reporting agency changes the consumer’s: (a) name; (b) date […]
