Except as provided in section 14, if a security freeze is in place, a consumer reporting agency may not release a consumer’s credit report or any information derived from a consumer’s credit report without the express prior authorization of the consumer.

Terms Used In Michigan Laws 445.2523

  • Consumer: means an individual who resides in this state. See Michigan Laws 445.2512
  • Credit report: means any written, oral, or other communication of any information by a consumer reporting agency that is related to a consumer's creditworthiness, credit standing, or credit capacity, and is issued or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for credit. See Michigan Laws 445.2512
  • Security freeze: means a restriction placed on a consumer's credit report at the request of the consumer that prohibits a consumer reporting agency from releasing the consumer's credit report or any information derived from the consumer's credit report without the express authorization of or on behalf of the consumer. See Michigan Laws 445.2512