30-14-1728. Consumer reporting agency requirements.
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/mt/title-30/chapter-14/part-17/30-14-1728·A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
30-14-1728 . Consumer reporting agency requirements.
(1)Except as provided in subsection (2), a consumer reporting agency shall place a security freeze on a consumer's credit report no later than 5 business days after receiving from the consumer:
(a)a written or electronic request, as provided in 30-14-1727 ;
(b)proper identification; and
(c)a fee, if applicable.
(2)If a consumer who has been the victim of identity theft, as prescribed by 45-6-332 , requests a security freeze, the consumer reporting agency shall place a security freeze on the consumer's credit report no later than 24 hours after receiving notice as provided in 30-14-1727 and a valid police report, investigative report, or complaint that the consumer has filed with a law enforcement agency.
(3)The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 5 business days of placing the security freeze and at the same time shall provide the consumer with a unique personal identification number, password, or similar device to be used by the consumer when providing authorization for a release of the consumer's credit for a specific party or period of time, as provided in 30-14-1729 .
(4)A consumer reporting agency may not suggest or otherwise state or imply to a third party that the consumer's security freeze reflects a negative credit score, history, report, or rating.