LD 581
pg. 2
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LR 1553
Item 1

 
A.__A consumer who has been the victim of identity theft may
place a security freeze on the consumer's report by making a
request in writing by certified mail to a consumer reporting
agency with a valid copy of a police report, investigative
report or complaint the consumer has filed with a law
enforcement agency about unlawful use of personal information
by another person.__In the case of a victim of identity theft,
a consumer reporting agency may not charge a fee for placing,
removing or suspending for a specific party or period of time
a security freeze on a consumer report.

 
B.__A consumer who has not been the victim of identity theft
may place a security freeze on the consumer's report by
making a request in writing by certified mail to a consumer
reporting agency.__A consumer reporting agency may charge a
fee of no more than $10 to a consumer for each freeze,
removal of a freeze or temporary suspension of a freeze for
a period of time or for reissuing the same or a new personal
identification number if the consumer fails to retain the
original personal identification number provided by the
agency.__A consumer reporting agency may charge a fee of not
more than $12 for a temporary suspension of a freeze for a
specific party.

 
C.__Subject to the exceptions in subsection 12, when a
security freeze has been placed on an account the consumer
reporting agency may not:

 
(1)__Release the consumer report or any information
from it without the express authorization of the
consumer; or

 
(2)__Release information from a consumer report to a
3rd party without express authorization of the
consumer.__This subparagraph does not prevent a
consumer reporting agency from advising a 3rd party
that a security freeze is in effect with respect to the
consumer report.

 
2.__Time to place security freeze.__A consumer reporting
agency shall place a security freeze on a consumer report no
later than 5 business days after receiving a written request from
the consumer.

 
3.__Confirmation; personal identification number.__The
consumer reporting agency shall send a written confirmation of
the security freeze to the consumer within 10 business days and
shall provide the consumer with a personal identification number
or password, other than the consumer's social security number, to


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