13C.001 DEFINITIONS. Subdivision 1. Scope. The definitions in this section apply to this chapter. Subd. 2. Consumer. “Consumer” means an individual. Subd. 3. Consumer report. (a) “Consumer report” means a written, oral, or other communication of information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, […]
13C.01 ACCESS TO CONSUMER REPORTS PREPARED BY CONSUMER REPORTING AGENCIES. Subdivision 1. Fee for report. (a) A consumer who is the subject of a consumer report maintained by a consumer reporting agency is entitled to request and receive by mail, for a charge not to exceed $3, a copy of the consumer report once in […]
13C.016 CONSUMER SECURITY FREEZE. Subdivision 1. Definitions. (a) For purposes of this section and sections 13C.017 to 13C.019, the terms defined in this section have the meanings given. (b) “Security freeze” means a notice placed in a consumer’s consumer report, at the request of the consumer and subject to certain exceptions, that prohibits the consumer […]
13C.017 SECURITY FREEZE; CHANGES TO INFORMATION; WRITTEN CONFIRMATION REQUIRED. If a security freeze is in place, a consumer reporting agency may not change any of the following official information in a consumer report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the consumer’s […]
13C.018 SECURITY FREEZE; NOT APPLICABLE TO CERTAIN CONSUMER REPORTING AGENCIES. A consumer reporting agency is not required to place a security freeze in a consumer report under section 13C.016 if it acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple […]
13C.019 SECURITY FREEZE; EXEMPT ENTITIES. The following entities are not required to place a security freeze on a consumer report under section 13C.016: (1) a check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar […]
13C.02 DISCLOSURE OF USE OF CONSUMER REPORTS FOR EMPLOYMENT PURPOSES. Subdivision 1. Disclosure required. A person may not obtain or cause to be prepared a consumer report on a consumer for employment purposes unless the person clearly and accurately discloses to the consumer that a consumer report may be obtained or caused to be prepared. […]
13C.03 NOTICE OF ADVERSE ACTION. If employment is denied or other adverse action for employment purposes is taken against a consumer wholly or partly because of information contained in a consumer report, the user of the report shall so advise the consumer and notify the consumer of the consumer’s right to receive a copy of […]
13C.04 ENFORCEMENT; REMEDIES. This chapter may be enforced by the attorney general or the county attorney pursuant to section 8.31 or 325F.70 and the public and private remedies available under those sections apply to this chapter. History: 1993 c 292 s 5
13C.10 PROTECTED PERSONS SECURITY FREEZE. Subdivision 1. Definitions. (a) For purposes of this section, the terms defined in paragraphs (b) through (g) have the meanings given. (b) “Protected person” means an individual who is under the age of 16 at the time a request for the placement of a security freeze is made. (c) “Record” […]
