Sec. 11. (a) A consumer reporting agency shall place a security freeze on a protected consumer‘s consumer report if:

(1) the consumer reporting agency receives a request from the protected consumer’s representative for the placement of the security freeze under this section; and

Terms Used In Indiana Code 24-5-24.5-11

  • consumer: means an individual whose principal residence is in Indiana. See Indiana Code 24-5-24.5-1
  • consumer report: has the meaning set forth in IC 24-5-24-2. See Indiana Code 24-5-24.5-2
  • consumer reporting agency: has the meaning set forth in IC 24-5-24-3. See Indiana Code 24-5-24.5-3
  • protected consumer: means an individual who is:

    Indiana Code 24-5-24.5-4

  • record: means a compilation of information that:

    Indiana Code 24-5-24.5-5

  • representative: means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. See Indiana Code 24-5-24.5-6
  • security freeze: means :

    Indiana Code 24-5-24.5-7

  • sufficient proof of authority: means documentation that shows a representative has authority to act on behalf of a protected consumer and includes:

    Indiana Code 24-5-24.5-8

  • sufficient proof of identification: means information or documentation that identifies a protected consumer or a representative of a protective consumer and includes:

    Indiana Code 24-5-24.5-9

(2) the protected consumer’s representative:

(A) submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency;

(B) provides to the consumer reporting agency sufficient proof of identification of the protected consumer and the representative; and

(C) provides to the consumer reporting agency sufficient proof of authority to act on behalf of the protected consumer; and

(3) the protected consumer’s representative pays to the consumer reporting agency a fee as provided in section 17 of this chapter.

     (b) If a consumer reporting agency does not have a consumer report pertaining to a protected consumer when the consumer reporting agency receives a request under subsection (a), the consumer reporting agency shall create a record for the protected consumer.

As added by P.L.65-2014, SEC.9.

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