Title 54 — DEBTOR AND CREDITOR

Terms used in this chapter mean: (1) "Protected consumer," a person who is under the age of sixteen years at the time a request for the placement of a security freeze is made or an incapacitated person or a protected person for whom a guardian or conservator has been appointed; (…

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 consum…

A consumer reporting agency shall place a security freeze for a protected consumer if the agency receives a request from the protected consumer's representative for the placement of the security freeze under this section and the protected consumer's representative: (1) Submits th…

This chapter does not apply to the use of a protected consumer's credit report or record by: (1) A person administering a credit file monitoring subscription service to which the protected consumer has subscribed or the representative of the protected consumer has subscribed on b…

Within thirty days after receiving a request that meets the requirements of this chapter, a consumer reporting agency shall place a security freeze for the protected consumer. Source: SL 2016, ch 230 , § 4.

Unless a security freeze for a protected consumer is removed in accordance with § 54-16-7 or 54-16-10 , a consumer reporting agency may not release the protected consumer's credit report, any information derived from the protected consumer's credit report, or any record created f…

A security freeze for a protected consumer placed under § 54-16-4 shall remain in effect until: (1) The protected consumer or the protected consumer's representative requests the consumer reporting agency to remove the security freeze in accordance with § 54-16-7 ; or (2) The sec…

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 submit a request for the removal of the security freeze to the consumer reportin…

Within thirty days after receiving a request that meets the requirements of § 54-16-7 , the consumer reporting agency shall remove the security freeze for the protected consumer. Source: SL 2016, ch 230 , § 8.

A consumer reporting agency may charge a reasonable fee, not exceeding five dollars, for each placement or removal of a security freeze for a protected consumer. However, no consumer reporting agency may charge a fee under this section if the protected consumer's representative p…