Sec. 5. (a) A consumer may place a security freeze on the consumer’s consumer report by:

(1) sending a written request by United States mail to an address designated by the consumer reporting agency; or

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

  • 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

  • United States: includes the District of Columbia and the commonwealths, possessions, states in free association with the United States, and the territories. See Indiana Code 1-1-4-5
(2) subject to subsection (d), making a request to a consumer reporting agency through a secure electronic mail connection provided by the consumer reporting agency.

     (b) Except as provided in subsection (c) and section 11 of this chapter, a consumer reporting agency that receives a request under subsection (a) shall place a security freeze on the consumer’s consumer report not later than five (5) business days after receipt of the request.

     (c) A consumer reporting agency is not required to place a security freeze on a consumer report under this section if the consumer reporting agency determines that the request for a security freeze:

(1) is materially false; or

(2) does not clearly identify the person making the request as the consumer.

     (d) Not later than January 1, 2009, a consumer reporting agency shall develop and make available to consumers a secure electronic mail connection by which a consumer can request:

(1) the placement of a security freeze on the consumer’s consumer report under this section; or

(2) the same or a new personal identification number or password under section 6(b) of this chapter.

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

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