§ 445.2531 Placement of security freeze on protected consumer’s credit report; requirements; record; days
§ 445.2532 Release of protected consumer’s credit report, information, or record; duration of security freeze
§ 445.2533 Removal of security freeze for protected consumer
§ 445.2534 Removal of security freeze for protected consumer; time requirement
§ 445.2535 Removal of security freeze for protected consumer; material misrepresentation of fact

Terms Used In Michigan Laws > Chapter 445 > Act 229 of 2013 > Article 3

  • Consumer: means an individual who resides in this state. See Michigan Laws 445.2512
  • 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 consumer credit information or other information on consumers for the purpose of furnishing credit reports to third parties and that uses any means or facility of interstate commerce for the purpose of preparing or furnishing credit reports. 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
  • File: means all of the information about a consumer that is recorded and retained by a consumer reporting agency regardless of how the information is stored. See Michigan Laws 445.2512
  • Fund: means the motor vehicle accident claims fund. See Michigan Laws 257.1102
  • Person: includes natural persons, firms, copartnerships, associations, and corporations, except this state or an agency or political subdivision of this state. See Michigan Laws 257.1102
  • Protected consumer: means either of the following:

    (i) An individual who is under 16 years of age at the time a request for the placement of a security freeze is made. See Michigan Laws 445.2512

  • Record: means a compilation of information that meets all of the following:

    (i) Identifies a protected consumer. See Michigan Laws 445.2512

  • Representative: means an individual who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. See Michigan Laws 445.2512
  • Secretary: means the secretary of state acting as director of the fund. See Michigan Laws 257.1102
  • 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
  • Security freeze for a protected consumer: means any of the following:

    (i) If a consumer reporting agency does not have a file pertaining to a protected consumer, a security freeze that meets both of the following:

    (A) Is placed on the protected consumer's record under this

    act. See Michigan Laws 445.2512

  • state: when applied to the different parts of the United States, shall be construed to extend to and include the District of Columbia and the several territories belonging to the United States; and the words "United States" shall be construed to include the district and territories. See Michigan Laws 8.3o
  • Sufficient proof of authority: means documentation that shows that a representative has authority to act on behalf of a protected consumer, including, but not limited to, any of the following:

    (i) An order issued by a court of law. See Michigan Laws 445.2512

  • Sufficient proof of identification: means information or documentation that identifies a consumer, a protected consumer, or a representative of a protected consumer, including, but not limited to, any of the following:

    (i) A social security number or a copy of a social security card issued by the social security administration. See Michigan Laws 445.2512