Sec. 12. (a) Except as provided in subsection (b), if a security freeze is in place with respect to a consumer‘s consumer report, a consumer reporting agency may not change any of the following official information on the consumer’s consumer report without sending written confirmation of the change to the consumer not later than thirty (30) days after the change is posted to the consumer’s consumer report:

(1) Name.

Terms Used In Indiana Code 24-5-24-12

  • consumer: means an individual:

    Indiana Code 24-5-24-1

  • consumer report: means any written, oral, or other communication of any information that:

    Indiana Code 24-5-24-2

  • consumer reporting agency: means any person that, for monetary fees or dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a consumer report to another person. See Indiana Code 24-5-24-3
  • security freeze: means a designation placed on a consumer's consumer report:

    Indiana Code 24-5-24-4

(2) Date of birth.

(3) Social Security number.

(4) Address.

In the case of an address change, the written confirmation required under this section shall be sent to both the new address and the old address.

     (b) Written confirmation is not required under this section for technical modifications of a consumer’s official information, including changes involving:

(1) the use of name or street:

(A) abbreviations; or

(B) complete spellings; or

(2) transpositions of numbers or letters in a consumer’s name or address.

As added by P.L.104-2007, SEC.1.

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