Whenever a consumer reporting agency is required to provide a summary of rights to a consumer under section 609 of the federal Fair Credit Reporting Act, 15 U.S.C. sec. 1681g, as amended, or under state law, the following notice must be included:
State Consumers Have the Right to Obtain a
Security Freeze for Their Children or Legal Wards
You may obtain from a consumer reporting agency a credit report security freeze for your child who is under sixteen years of age or for your legal ward. If a consumer report has not yet been created for your child or legal ward, you may request that a consumer reporting agency create a consumer record for him or her and place a security freeze on his or her consumer record. You will not be charged to have a security freeze placed on your child's or legal ward's consumer report or to have a consumer record created for your child or legal ward and to have a security freeze placed on the consumer record. You will not be charged to have a security freeze placed on or removed from your child's or legal ward's credit report or record.
Source: L. 2018: Entire section added, (HB 18-1233), ch. 75, p. 654, � 3, effective January 1, 2019.
5-18-114. Security freeze - prohibition of changing official information in credit report or record. If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report or record without sending a written notice of the change to the consumer or to a protected consumer's representative within thirty days after the change is posted to the consumer's or protected consumer's file: Name, date of birth, social security number, and address. Written notice is not required for technical modifications of a consumer's or protected consumer's official information, including name and street abbreviations, complete spellings, or transposition of numbers or letters. In the case of an address change, the consumer reporting agency shall send the written notice to both the new address and the former address.
Source: L. 2017: Entire article added with relocations, (HB 17-1238), ch. 260, p. 1129, � 3, effective August 9. L. 2018: Entire section amended, (HB 18-1233), ch. 75, p. 655, � 4, effective January 1, 2019.
Editor's note: This section is similar to former � 12-14.3-106.8 as it existed prior to 2017.