Title 54, DEBTOR AND CREDITOR

A security freeze under § 54-15-4 shall remain in place until the consumer reporting agency receives a request from the consumer to remove the freeze. A consumer reporting agency shall remove a security freeze within three business days of receiving a request for removal from the…

This chapter does not apply to the use of a consumer credit report by any of the following: (1) A person, or a subsidiary, affiliate, or agent of that person, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a fi…

If a security freeze is in place, a consumer reporting agency may not change any name, date of birth, social security number, or address in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days of the change being posted …

No consumer reporting agency is required to place a security freeze in a consumer credit report if the consumer reporting agency acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency or …

The following entities are not required to place a security freeze in a consumer credit report pursuant to this chapter: (1) A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or process…

A consumer reporting agency may furnish to a governmental agency a consumer's name, address, former address, places of employment, or former places of employment even if a security freeze is in place. Source: SL 2006, ch 246 , § 16.

A consumer reporting agency is prohibited from charging a fee for a placement or removal of a security freeze under this chapter. Source: SL 2018, ch 273 , § 2.

For the purposes of this chapter, a security freeze is a notice placed in a consumer's credit report, at the request of the consumer and subject to certain exceptions, that prohibits the consumer reporting agency from releasing the consumer's credit report, relating to the extens…

A person may place a security freeze on that person's credit report by making a request to a consumer reporting agency in a manner designated by the consumer reporting agency to receive a request for a security freeze. This section does not prevent a consumer reporting agency fro…

A consumer reporting agency shall place a security freeze on a consumer's credit report no later than five business days after receiving a written request from the consumer. Source: SL 2006, ch 246 , § 4.

The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within ten business days and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the …

If any consumer wishes to allow the consumer's credit report to be accessed for a specific period of time while a freeze is in place, the consumer shall contact the consumer reporting agency at a point of contact designated by the agency to receive such requests, request that the…

A consumer reporting agency may develop procedures involving the use of telephone, fax, the internet, or other electronic media to receive and process a request from a consumer to temporarily lift a freeze on that consumer's credit report in an expedited manner. Source: SL 2006, …

A consumer reporting agency shall remove or temporarily lift a freeze placed on a consumer's credit report only in the following cases: (1) Upon a consumer's request pursuant to § 54-15-6 or 54-15-11 ; or (2) When the consumer's credit report was frozen due to a material misrepre…

If a third party requests access to a consumer credit report on which a security freeze is in effect, and this request is in connection with an application for credit or any other use, and the consumer does not allow the consumer's credit report to be accessed for that specific p…

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…