13-45-201 - Security freeze.
13-45-201. Security freeze.
(1) A consumer may place a security freeze on the consumer's credit report by:
(a) making a request to a consumer reporting agency in writing by certified mail;
(b) providing proper identification; and
(c) paying the fee required by the consumer reporting agency in accordance with Section13-45-204.
(2) If a security freeze is in place, a consumer reporting agency may not release aconsumer's credit report, or information from the credit report, to a third party that intends to usethe information to determine a consumer's eligibility for credit without prior authorization fromthe consumer.
(3) (a) Notwithstanding Subsection (2), a consumer reporting agency may communicateto a third party requesting a consumer's credit report that a security freeze is in effect on theconsumer's credit report.
(b) If a third party requesting a consumer's credit report in connection with theconsumer's application for credit is notified of the existence of a security freeze under Subsection(3)(a), the third party may treat the consumer's application as incomplete.
(4) Upon receiving a request from a consumer under Subsection (1), the consumerreporting agency shall:
(a) place a security freeze on the consumer's credit report within five business days afterreceiving the consumer's request;
(b) send a written confirmation of the security freeze to the consumer within 10 businessdays after placing the security freeze; and
(c) provide the consumer with a unique personal identification number or password to beused by the consumer when providing authorizations for removal or temporary removal of thesecurity freeze under Section 13-45-202.
(5) A consumer reporting agency shall require proper identification of the consumerrequesting to place, remove, or temporarily remove a security freeze.
(6) (a) A consumer reporting agency shall develop a contact method to receive andprocess a consumer's request to place, remove, or temporarily remove a security freeze.
(b) A contact method under Subsection (6)(a) shall include:
(i) a postal address;
(ii) an electronic contact method chosen by the consumer reporting agency, which mayinclude the use of fax, Internet, or other electronic means; and
(iii) the use of telephone in a manner that is consistent with any federal requirementsplaced on the consumer reporting agency.
(7) A security freeze placed under this section may be removed only in accordance withSection 13-45-202.
Enacted by Chapter 344, 2006 General Session