24-5-24.5-1. “Consumer”
Sec. 1. As used in this chapter, “consumer” means an individual whose principal residence is in Indiana. As added by P.L.65-2014, SEC.9.
24-5-24.5-10. Exceptions to Application
Sec. 10. This chapter does not apply to the use of a protected consumer’s consumer report or record by: (1) a person administering a credit file monitoring subscription service to which: (A) the protected consumer has subscribed; or (B) the representative of the protected consumer has subscribed on behalf of the protected consumer; (2) a […]
24-5-24.5-11. Requirement to Place Security Freeze; Conditions; Creating Record
Sec. 11. (a) A consumer reporting agency shall place a security freeze on a protected consumer’s consumer report if: (1) the consumer reporting agency receives a request from the protected consumer’s representative for the placement of the security freeze under this section; and (2) the protected consumer’s representative: (A) submits the request to the consumer […]
24-5-24.5-12. Placing Security Freeze
Sec. 12. Not later than thirty (30) days after receiving a request that meets the requirements of section 11(a) of this chapter, a consumer reporting agency shall place a security freeze for the protected consumer. As added by P.L.65-2014, SEC.9.
24-5-24.5-13. Prohibited From Releasing Consumer Report or Record
Sec. 13. Unless a security freeze for a protected consumer is removed in accordance with section 16 of this chapter, a consumer reporting agency may not release: (1) the protected consumer’s consumer report; (2) any information derived from the protected consumer’s consumer report; or (3) any record created for the protected consumer under section 11(b) […]
24-5-24.5-14. Security Freeze in Effect Until Removed
Sec. 14. A security freeze for a protected consumer must remain in effect until: (1) the protected consumer or the protected consumer’s representative requests that the consumer reporting agency remove the security freeze under section 15 of this chapter; or (2) the security freeze is removed in accordance with section 16 of this chapter. As […]
24-5-24.5-15. Requirements to Remove Security Freeze
Sec. 15. 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: (1) submit a request for the removal of the security freeze to the consumer reporting agency at the address or other point of contact and […]
24-5-24.5-16. Removing Security Freeze
Sec. 16. Not later than thirty (30) days after receiving a request that meets the requirements of section 15 of this chapter, the consumer reporting agency shall remove the security freeze for the protected consumer. As added by P.L.65-2014, SEC.9.
24-5-24.5-17. Fees
Sec. 17. (a) Except as provided in subsection (b), a consumer reporting agency may not impose a fee for any service described in this chapter. (b) A consumer reporting agency may charge a reasonable fee, not exceeding five dollars ($5), for each placement or removal of a security freeze under this chapter. (c) A consumer […]
24-5-24.5-18. Material Misrepresentation of Fact; Removing Security Freeze or Deleting Record
Sec. 18. 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 consumer’s representative. As added by P.L.65-2014, SEC.9.
24-5-24.5-19. Severability
Sec. 19. The provisions of this chapter are severable as provided in IC 1-1-1-8(b). As added by P.L.65-2014, SEC.9.
24-5-24.5-2. “Consumer Report”
Sec. 2. As used in this chapter, “consumer report” has the meaning set forth in IC 24-5-24-2. As added by P.L.65-2014, SEC.9.
24-5-24.5-3. “Consumer Reporting Agency”
Sec. 3. As used in this chapter, “consumer reporting agency” has the meaning set forth in IC 24-5-24-3. As added by P.L.65-2014, SEC.9.
24-5-24.5-4. “Protected Consumer”
Sec. 4. As used in this chapter, “protected consumer” means an individual who is: (1) less than sixteen (16) years of age; or (2) an incapacitated person (as defined in IC 29-3-1-7.5) for whom a court has appointed a guardian. As added by P.L.65-2014, SEC.9.
24-5-24.5-5. “Record”
Sec. 5. As used in this chapter, “record” means a compilation of information that: (1) identifies a protected consumer; (2) is created by a consumer reporting agency solely for the purpose of complying with this chapter; and (3) is not created or used to consider the protected consumer’s credit worthiness, credit standing, credit capacity, character, […]
24-5-24.5-6. “Representative”
Sec. 6. As used in this chapter, “representative” means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. As added by P.L.65-2014, SEC.9.
24-5-24.5-7. “Security Freeze”
Sec. 7. As used in this chapter, “security freeze” means: (1) if a consumer reporting agency does not have a consumer report pertaining to a protected consumer, a restriction that: (A) is placed on the protected consumer’s record in accordance with this chapter; and (B) prohibits the consumer reporting agency from releasing the protected consumer’s […]
24-5-24.5-8. “Sufficient Proof of Authority”
Sec. 8. As used in this chapter, “sufficient proof of authority” means documentation that shows a representative has authority to act on behalf of a protected consumer and includes: (1) an order issued by a court of law; (2) a lawfully executed and valid power of attorney; or (3) a written, notarized statement signed by […]
24-5-24.5-9. “Sufficient Proof of Identification”
Sec. 9. As used in this chapter, “sufficient proof of identification” means information or documentation that identifies a protected consumer or a representative of a protective consumer and includes: (1) a Social Security number or a copy of a Social Security card issued by the Social Security Administration; (2) a certified or official copy of […]