Federal and State Notices of Consumer Rights

Federal & State Notices of Consumers Rights

A Summary of Your Rights Under the Fair Credit Reporting Act

Advancements in consumer reporting agency file accuracy, equity, and information privacy are promoted by the federal Fair Credit Reporting Act (FCRA). Credit bureaus and specialist agencies—which provide data on check writing histories, medical records, and rental history records—are merely two of the numerous types of consumer reporting companies that exist. The following is a compilation of your primary privileges under the Fair Credit Reporting Act (FCRA). For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another kind of consumer report to reject your application for credit, insurance, or employment – or to take another negative action against you – must tell you and supply the name, address, and phone number of the entity that supplied the information.
You have the right to know what is in your file. You could ask and get all the data about you from consumer reporting agency files—your “file disclosure.” You will be asked to present appropriate identification, maybe including your Social Security number.
- a person has taken adverse action against you because of information in your credit report;
- you are the victim of identity theft and place a fraud alert in your file;
- your file contains inaccurate information as a result of fraud;
- you are on public assistance;
- you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Numerical summaries of your credit-worthiness derived from credit agency data are your credit scores. Although you will have to pay for it, you could ask consumer reporting companies who produce scores or disseminate them used in residential real estate loans for your credit score. Sometimes mortgage transactions include free credit score information from the mortgage lender.
You have the right to challenge and dispute incomplete or inaccurate information. Unless your disagreement is minor, if you find incomplete or erroneous information in your file and notify the consumer reporting agency, the agency will investigate. See www.consumerfinance.gov/learnmorefor an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Usually within 30 days, erroneous, incomplete, or unverifiable information has to be deleted or updated. A consumer reporting organization might nevertheless, however, keep publishing information it has confirmed to be reliable.
Consumer reporting systems might not show current unfavorable information. Generally speaking, a consumer reporting service may not record bankruptcy more than ten years old or unfavorable material more than seven years old.

The access of your file is limited. Usually in consideration an application with a creditor, insurance, lender, landlord, or other business, a consumer reporting agency may share information about you only to those with a legitimate need. The FCRA lists people who clearly need access.
For reports delivered to companies, you have to permission. Without your explicit permission granted to your company or a possible employer, a consumer reporting agency may not provide information about you to either of them. Generally speaking, the trucking sector does not call for written consent. Visit for additional information: www.consumerfinance.gov/learnmore.
Based on information in your credit report, you could restrict “prescreened” credit and insurance offers. Credit and insurance unsolicited “prescreened” offers must contain a toll-free phone number you can call should you wish to have your name and address taken off of the lists these offers are based on. You can opt out using the national credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to put a “security freeze” on your credit report, which will forbid a consumer reporting agency from publishing data in your credit report without your clear permission. The security freeze is meant to stop credit, loans, and services approved under your name without your knowledge. Using a security freeze to take control over who gets access to the personal and financial information in your credit report may, however, postpone, complicate, or forbid the timely approval of any later request or application you make concerning a new loan, credit, mortgage, or any other account involving the extension of credit.

As an alternative to a security lockdown, you are entitled to post an initial or extended fraud alert on your credit file at no cost. An initial fraud notice is a one-year alert that is recorded in a credit file. If a fraud alert is present in a consumer’s credit file, a company is required to verify the consumer’s identity before extending additional credit. If you are the victim of identity theft, you are entitled to a seven-year fraud warning, which is known as an extended fraud alert.

A security freeze does not apply to a person or company, or its affiliates, or collection agencies operating on behalf of the person or entity, with which you have an existing account requesting information in your credit report for purposes of evaluating or collecting the account. Reviewing the account covers credit line additions, account maintenance, monitoring, account upgrades and enhancements.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to take an action in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.

States may enforce the FCRA; many have their own consumer reporting rules as well. Sometimes state law will grant you extra rights. See your state Attorney General or local consumer protection agency for further information. Regarding your federal rights, get information by:

TYPE OF BUSINESS:	CONTACT:
1. a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:	a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions	a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480 c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. National Credit Union Administration Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
3. Air carriers	Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board	Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921	Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies	Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416
7. Brokers and Dealers	Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, etc.	Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above	Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

Remediating the Effects of Identity Theft

You are getting this information since you told a consumer reporting company you think you are victim of identity theft. Identity theft is the fraud committed by someone using your name, Social Security number, date of birth, or any identifying number without authorization. Someone might have committed identity theft, for instance, opening a credit card account or obtaining a loan in your name using your personal information. For further information, visit www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

Should you be, or suspect you to be, the victim of identity theft, the Fair Credit Reporting Act (FCRA) grants you particular protections. The rights intended to assist in your recovery from identity theft are succinctly summarized below.
You have the right to ask that nationwide consumer reporting companies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as the agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
- Equifax: 1-800-525-6285; equifax.com
- Experian: 1-888-397-3742; experian.com
- TransUnion: 1-800-680-7289; transunion.com

Your file contains an initial fraud alert staying for at least ninety days. Your file carries an extended alert for seven years. A consumer reporting agency will want suitable verification of your identity—which may include your Social Security number—to place either of these alerts. Should you request an extended alert, you will also be required to submit a report on identity theft. A copy of a report you have files with a federal, state, or local law enforcement agency plus other information a consumer reporting agency may need you to provide constitute an identity theft report. For further specific details regarding the identity theft report, visit www.consumerfinance.gov/learnmore.

Your “file disclosure,” or right, is for a free copy of the information in your file. An initial fraud alert entitles you to a copy of all the information in your file at each of the three countrywide agencies; an extended alert entitles you to two free file disclosures in a 12-month period following the posting of the alert. These extra disclosures could enable you to spot indicators of fraud, for instance, whether someone has reported a change in your address or whether bogus accounts have been formed under your name. Should you feel that the material in your file contains erroneous information resulting from fraud, such identity theft, you also have the right to a free copy of the information at any consumer reporting agency once a year. Under other FCRA clauses, you also have the right to get more free file disclosures. See www.consumerfinance.gov/learnmore.
You are entitled to get records about fake accounts formed or transactions made using your personal data. If you request them in writing, a creditor or other company has to provide you copies of applications and other business records pertaining to transactions and accounts resulting from identity theft. Before handing you the paperwork, a company might ask for an affidavit, a police report, and evidence of your identification. It might also provide you an address to forward your request. Sometimes a company might refuse to send you these records. See www.consumerfinance.gov/learnmore.
You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief – like the name of the credit and the amount of the debt.
Should you feel that material in your file reflects identity theft, you are entitled to request that a consumer reporting agency remove that information from your file. An identity thief can run up expenses in your name and ignore them. Your consumer report may show information about overdue bills. Should you wish to ask a consumer reporting agency to stop the publication of this information, you must specify the information to block and submit the consumer reporting agency a copy of your identity theft report together with evidence of your identity. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.
You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

To find further information on identity theft and handling its effects, visit www.consumerfinance.gov/learnmore, or write to the Consumer Financial Protection Bureau. State law might grant you other rights. See your state Attorney General or local consumer protection agency for further information.

Apart from the. rights and processes to assist customers in handling the consequences of identity theft, the FCRA offers several other crucial consumer protections. More thorough descriptions of them occur at www.consumerfinance.gov/learnmore.

State Notices of Consumer Rights

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Alabama Consumer Rights Notice

You are entitled to have a security freeze on your credit report, which will restrict a consumer reporting agency from publishing anything in your credit report without your express permission. As directed by a consumer reporting agency, a security freeze must be sought in writing either by electronic means or certified mail. The security freeze is meant to stop credit, loans, and services approved under your name without your knowledge. Should you be actively looking for a new credit, loan, utility, phone, or insurance account, you should be aware that the processes required in releasing a security freeze may cause delays in credit applications. You should forward a freeze ahead of formally requesting new credit, so planning ahead is important. Should you wish to have the security freeze removed from your credit report or authorize the release of your credit report over a period of time, you will be given a personal identification number or password to use.

You have to get in touch with the consumer reporting agency and furnish all of the following in order to give that permission:

(1) Your personal identification number or password.

(2) Proper identification to verify your identity.

(3) The appropriate information regarding the duration of the report’s availability. Consumer reporting agencies are required to authorize the release of your credit report within 15 minutes of receiving the aforementioned information if the request is made via electronic means or telephone, or within three business days if the request is made in writing.

A security freeze does not apply to a person or entity, or its affiliates or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purpose of reviewing or collecting the account. Activities associated with account maintenance are included in the account review. To place a freeze on your credit report, a consumer reporting agency has the right to charge you a fee of no more than ten dollars ($10), unless you are a victim of identity theft and have a police report or other official document acceptable to a consumer reporting agency to verify the crime, or you are 65 years of age or older.

Alaska Consumer Rights Notice

To safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to place a security block on your credit report and credit score for $5. If you are a victim of identity theft, you may not be required to pay the $5 charge. Under state law, you are entitled to implement a security lockdown on your credit report and credit score. (AS 45.48.100–45.48.290).

The security freeze will prevent a consumer credit reporting agency from disclosing your credit score and any information contained in your credit report without your explicit authorization or consent.

The security freeze is intended to prevent the approval of credit, financing, and other services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, such as a new loan, credit, a mortgage, a governmental service, a governmental payment, a cellular telephone, a utility, an Internet credit card application, an extension of credit at point of sale, and other items and services, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report and credit score.

In the event that you elect to remove the security freeze on your credit report and credit score or to temporarily authorize the release of your credit report and credit score to a specific third party or third parties for a specific period of time after the freeze is in place, you will be provided with a personal identification number, password, or similar device within 10 business days of placing the freeze. In order to grant authorization, you must contact the consumer credit reporting agency and furnish the following:

(1) proper identification to verify your identity;

(2) the personal identification number, password, or similar device provided by the consumer credit reporting agency;

(3) the appropriate information is required to determine the third party or third parties who are authorized to receive the credit report and credit score, as well as the specific period of time for which the credit report and credit score are to be released to third parties.

A consumer credit reporting agency is obligated to comply with your request to temporarily lift a freeze on a credit report and credit score within 15 minutes, except after normal business hours and under certain other conditions. This requirement applies to requests made by telephone, electronic means (if the agency provides an electronic method), or mail. If the request is made by mail, the agency must respond within three business days thereafter. The ban may be temporarily lifted for a fee of $2 from the consumer credit reporting agency.

A security freeze is not applicable in situations where your existing creditor or its agents or affiliates request a copy of your credit report and credit score for certain types of account review, collection, fraud control, or similar activities, and you have an existing account relationship.

It is important to be aware that the procedures for lifting a security hold may cause a delay in the processing of your credit applications if you are actively seeking credit. Before applying for new credit, it is advisable to plan ahead and remove a freeze, either completely if you are shopping around or specifically for a specific creditor, a few days in advance.

You are entitled to file a civil action against an individual who infringes upon your rights under these security freeze laws. A consumer credit reporting agency may be the target of the action.

Arkansas Consumer Rights Notice

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at point of sale, a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report.

You will be assigned a personal identification number or password to use in the event that you elect to remove the security freeze on your credit report or authorize the release of your credit report for a specified period of time after the security freeze has been implemented. In order to grant authorization, you must contact the consumer reporting agency via one of the methods it specifies and submit all of the following; (1) Your personal identification number or password;

(2) Proper identification to verify your identity; and

(3) The appropriate information regarding the duration of the credit report’s availability.

A consumer reporting agency is required to authorize the release of your credit report for a period of time within fifteen (15) minutes or as soon as practical if good cause exists for the delay. Additionally, the agency must remove a security freeze no later than three (3) business days after receiving all of the aforementioned items, using any method that the agency permits.

The security freeze does not apply to a person or entity, its affiliates, or collection agencies that are acting on behalf of the person or entity with which you have an existing account and are requesting information from your credit report for the purpose of reviewing or collections. The review of the account encompasses activities such as account maintenance, monitoring, credit line increases, and account upgrades.

You are entitled to file a civil action against any individual, including a consumer reporting agency, who willfully or negligence disregards any requirement of the Arkansas Consumer Report Security Freeze Act.

A consumer reporting agency has the authority to impose a fee of up to five dollars ($5.00) for the placement, temporary lifting, or removal of a security hold from your credit report. If you are at least sixty-five (65) years of age or a victim of identity theft and have submitted a copy of a valid investigative report, incident report, or complaint with a law enforcement agency alleging the unlawful use of your identifying information by another person in conjunction with the security freeze request, you will not be charged any fee.

California Consumer Rights Notice

You are entitled to receive a copy of your credit file from a consumer credit reporting agency. A reasonable fee of no more than eight dollars ($8) may be imposed. However, there is no charge if you have been denied credit, employment, insurance, or a rental dwelling due to information in your credit report within the past 60 days. The consumer credit reporting agency is required to assign an individual to assist you in interpreting the information contained in your credit file.

By directly contacting the consumer credit reporting agency, you have the right to contest inaccurate information. Nevertheless, neither you nor any credit repair company or credit service organization has the authority to have verifiable, accurate, and up-to-date information removed from your credit report. The consumer credit reporting agency is required to remove accurate, negative information from your report only if it is more than seven years old, as per the Federal Fair Credit Reporting Act. For a period of ten years, bankruptcy information may be disclosed.

If you have submitted a written notification to a consumer credit reporting agency disputing the accuracy of information in your file, the agency is obligated to reinvestigate and either modify or remove the inaccurate information within 30 business days. This service may not be subject to a fee by the consumer credit reporting agency. The consumer credit reporting agency should be provided with any relevant information and copies of all documents that pertain to the error.

If the dispute is not resolved to your satisfaction through reinvestigation, you have the option of submitting a concise statement to the consumer credit reporting agency for inclusion in your file. This statement should provide an explanation for why you believe the record is inaccurate. The consumer credit reporting agency is required to incorporate your statement regarding the disputed information into the report it generates regarding you.

You are entitled to obtain a record of all inquiries regarding a credit transaction that were initiated within the 12-month period prior to your request. The recipients of any consumer credit report shall be included in this record.

You have the right to request in writing that the information in your file not be disclosed to a third party for marketing purposes.

You are entitled to include a “security alert” in your credit report, which will notify any individual who receives information from your credit report that your identity may have been misused without your prior authorization. Before lending money, extending credit, or completing the purchase, lease, or rental of goods or services, recipients of your credit report are obligated to take reasonable measures, such as contacting you at the telephone number you may have provided in your security alert, to verify your identity. Credit, loans, and services may not be authorized in your name without your authorization due to the security alert.

Nevertheless, it is important to be aware that exercising this privilege may impede or delay the timely approval of any subsequent request or application you submit for a new loan, credit, mortgage, cellular phone, or other new account, including an extension of credit at the point of sale. You are entitled to a complimentary copy of your credit report upon the expiration of the 90-day security alert period if you have placed one on your credit report. The following toll-free telephone number may be used to request a security alert: (Insert the appropriate toll-free telephone number). Consumers in California are also entitled to file for a “security freeze.”

You have the right to impose a “security freeze” on your credit report, which will prevent a consumer credit reporting agency from disclosing any information in your credit report without your consent. A security lockdown must be requested in writing via mail. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. It is important to be aware that the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, cellular phone, or other new account, including an extension of credit at point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. If you elect to remove the freeze on your credit report or authorize the release of your credit report for a specific party or period of time after the freeze has been implemented, you will be issued a personal identification number or password. In order to grant authorization, you must contact the consumer credit reporting agency and furnish the following:

(1) The personal identification number or password.

(2) Proper identification to verify your identity.

(3) The appropriate information regarding the third party who is to receive the credit report or the duration of time for which the report will be accessible to credit report users.

The dissemination of your credit report must be authorized by a consumer credit reporting agency no later than three business days after the aforementioned information is received.

A security freeze is not applicable when your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, and you still have an account.

It is important to be aware that the process of lifting a security hold may impede the progress of your credit application if you are actively seeking credit. Before applying for new credit, it is advisable to plan ahead and remove a freeze, either completely if you are shopping around or specifically for a specific creditor.

If a consumer is a victim of identity theft and submits a copy of a valid police report or valid Department of Motor Vehicles investigative report, a consumer credit reporting agency is prohibited from charging a fee for the placement or removal of a security freeze. An individual who is 65 years of age or older and possesses valid identification will not be assessed a fee for the initial placement of a security freeze. However, they may be assessed a fee of no more than five dollars ($5) for the lifting, removal, or replacement of a security freeze. A fee of no more than ten dollars ($10) may be imposed on all other consumers for each of these measures.

You are entitled to file a civil action against any individual, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly or willfully misuses file data, or fails to remedy inaccurate file data.

The following shall be applicable if you are a victim of identity theft and submit a copy of a valid police report or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status that describes your circumstances to a consumer credit reporting agency:

(1) You have the right to have any information you designate on the report as allegedly fraudulent promptly blocked so that it cannot be reported. Only if (A) the information you submit is a material misrepresentation of the facts, (B) you acknowledge that the information has been blocked in error, or (C) you have knowingly acquired products, services, or money as a consequence of the blocked transactions will the information be unblocked. You will be promptly informed if the information that has been prohibited is unblocked.

(2) You are entitled to receive one copy of your credit report each month for a period of up to 12 consecutive months, absolutely free of charge and upon request.

Colorado Consumer Rights Notice

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, you have the option of obtaining a security freeze on your consumer report, subject to the provisions of the law. You are entitled to impose a security embargo on your consumer report in order to prevent a consumer reporting agency from disclosing any information in your report without your explicit authorization or approval, subject to the limitations of the law.

There will be no initial fee for implementing a security block on your consumer report. Nevertheless, a fee of no more than ten dollars will be imposed to temporarily relieve the freeze for a specified period, permanently remove the freeze from your consumer report, or make a subsequent request for a freeze to be placed on your consumer report.. Additionally, a fee of no more than twelve dollars may be imposed to temporarily suspend the freeze for a specific party.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Procedures for the temporary release of your consumer report to a specific party or parties or for a period of time after the security freeze is in place will be provided to you within five business days of placing a security freeze on your consumer report. In order to grant authorization, you must contact the consumer reporting agency and furnish the appropriate information regarding the third party or parties that will receive the consumer report, as well as the duration of time for which the report will be accessible to consumers.

A consumer reporting agency must comply with a consumer’s request to temporarily relieve a security freeze on a consumer report within three business days of receiving the request.

In the event that your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a security freeze does not apply.

It is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your consumer report. This includes new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transaction, or other services. It is advisable to take the time to plan ahead and lift a security freeze, either completely if you are browsing around or specifically for a specific creditor, a few days prior to applying for new credit.

To enforce an obligation under the security freeze law, you have the right to submit to binding arbitration or initiate a civil action against a consumer reporting agency after following the specified dispute procedures and receiving the requisite notice.

Consumers in the state are entitled to obtain a security freeze for their children or legal guardians.

You have the option of obtaining a credit report security hold for your legal ward or your child who is under sixteen years of age from a consumer reporting agency. If a consumer report has not yet been generated for your child or legal dependent, you have the option of requesting that a consumer reporting agency generate a consumer record for them and impose a security freeze on their consumer record. You will not be charged for the creation of a consumer record for your child or legal dependent, the placement of a security freeze on the consumer report, or the placement of a security freeze on the consumer record. You will not be charged for the placement or removal of a security hold on your child’s or legal ward’s credit report or record.

Connecticut Consumer Rights Notice

You are entitled to receive a copy of your credit file from a credit rating agency. A reasonable fee of no more than five dollars may be imposed for your initial request within twelve months, and seven dollars and fifty cents for any subsequent requests within the same twelve-month period. However, there is no charge if you have been denied credit, employment, insurance, or a rental home due to information in your credit report within the past sixty days. The credit rating agency is required to assign an individual to assist you in interpreting the information contained in your credit file.

By directly contacting the credit rating agency, you have the right to contest inaccurate information. Nevertheless, neither you nor any credit repair company or credit service organization has the authority to have verifiable, accurate, and up-to-date information removed from your credit report. The credit rating agency is required to remove accurate, negative information from your report only if it is more than seven years old, as per the federal Fair Credit Reporting Act. For a period of ten years, bankruptcy information may be disclosed.

If you have submitted a written notification to a credit rating agency disputing the accuracy of the information in your file, the agency is obligated to reinvestigate and either modify or remove the inaccurate information within thirty business days. The credit rating agency may extend this time period by fifteen business days if you provide them with additional information. The credit rating agency will furnish you with a toll-free telephone number for the purpose of resolving the dispute.

This service may not be subject to a fee by the credit rating agency. The credit rating agency should be provided with any relevant information and copies of all documents that pertain to the error.

In the event that the dispute is not resolved to your satisfaction through reinvestigation, you have the option of submitting a concise statement to the credit rating agency for inclusion in your file. This statement should clearly state the reasons you believe the record is inaccurate. The credit rating agency is required to incorporate your statement regarding the disputed information into the report it generates regarding you.

You are entitled to obtain a record of all inquiries regarding a credit transaction that were initiated within the twelve months prior to your request and resulted in the provision of a credit report.

You have the right to request in writing that the information in your file not be disclosed to a third party for marketing purposes.

If you are dissatisfied with your credit report after reviewing it with the credit rating agency, you have the option of contacting the Connecticut Department of Banking. You are entitled to file a civil action against any individual who unlawfully obtains access to your file or knowingly or willfully misuses file data.

Delaware Consumer Rights Notice

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to obtain a security block on your credit report for a fee of no more than ten dollars. Delaware law grants you the authority to implement a security block on your credit report. The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent. In order to request that the three consumer reporting agencies freeze the information, you must submit a distinct request via certified mail and pay a ten-dollar fee to each agency. You will be able to request this moratorium from the agencies via email after January 31, 2009.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Upon implementing a security freeze on your credit report, you will receive a personal identification number or password that you can utilize to temporarily authorize the release of your credit report for a specified period of time or to remove the freeze once it has been implemented. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

The consumer reporting agency’s distinctive personal identification number or password.
A valid form of identification is required to confirm your identity.
The appropriate information regarding the duration of the report’s availability to credit report users.
A consumer reporting agency must comply with a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request. The consumer reporting agency is required to provisionally lift the freeze within 15 minutes of receiving the request by January 31, 2009.

A security freeze is not applicable in situations where your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, and you have an existing account relationship.

You have the right to file a civil action against an individual who violates your rights under the credit reporting laws. A consumer reporting agency may be the target of the action.

District of Columbia Consumer Rights Notice

The District of Columbia law grants you the authority to implement a “security freeze” on your credit report. The publication of information in your credit report by a credit reporting agency is restricted by a security freeze, which requires your explicit authorization or approval.

A security freeze is intended to prevent the approval of credit, loans, and services in your name without your assent. In order to obtain a security block, it is necessary to contact each credit reporting agency. A personal identification number or password will be provided to you by the credit reporting agency when you place a security freeze on your credit report. This number or password can be used to lift the freeze from your credit report, authorize the release of your credit report to a specific party or parties, or for a specific period of time after the freeze has been in place. In order to grant authorization, you must contact the credit reporting agency and furnish the following:

The credit reporting agency’s distinctive personal identification number or password.
Identification verification.
Details regarding the recipients of the credit report or the duration of its availability.

The credit reporting agency will comply with your proper request to temporarily withdraw a freeze from your credit report within three business days of receiving it. The credit reporting agency is obligated to offer a variety of methods, such as web-based and telephonic methods, for you to request that the freeze be provisionally lifted within 15 minutes, effective September 1, 2008.

The procedures associated with lifting a security restriction may impede the pace of your credit applications if you are actively seeking credit. You should consider lifting a freeze in advance, either completely if you are browsing around or for a specific creditor before applying for new credit. A credit reporting agency will be able to provisionally lift a freeze on your credit report within 15 minutes of your request, effective September 1, 2008.

You are entitled to pursue legal action against an individual who infringes upon your rights under the credit reporting laws. The action may be initiated against a credit reporting agency or any individual who was responsible for the fraudulent dissemination of your credit information.

Florida Consumer Rights Notice

You are entitled to impose a “security freeze” on your consumer report, which will prevent a consumer reporting agency from disclosing any information in your report without your explicit consent. A consumer reporting agency must receive a written request for a security block via certified mail. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent.

You should know that using a security freeze to manage who can see the personal and financial information in your credit report could delay or stop the timely approval of any subsequent request or application you make for a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cell phone, utilities, digital signature, Internet credit card transaction, or other services, such as an extension of credit at the point of sale.

Placing a security freeze on your consumer report will result in you receiving a personal identification number or password. This will be necessary if you decide to lift the freeze on your consumer report or permit the release of your consumer report for a specified duration after the freeze has been established. To grant that authorization, you need to reach out to the consumer reporting agency and supply all of the following:

The password or personal identification number.
Valid identification to confirm your identity.
Details regarding the duration of the report’s availability.

The dissemination of your consumer report must be authorized by a consumer reporting agency no later than three business days after these details are received.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that wishes to assess or collect the account by requesting information from your consumer report. The review of the account encompasses activities such as account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

The right to file a civil action against any individual, including a consumer reporting agency, who violates the provisions of s. 501.005, Florida Statutes, which regulate the placement of a consumer report security freeze on your consumer report, is yours.

Georgia Consumer Rights Notice

You have the right to impose a “security freeze” on your credit report, which will prevent a consumer reporting agency from disclosing information in your credit report without your explicit consent. A security block must be requested in writing via certified mail or electronic means as specified by a consumer reporting agency. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. You should be aware that the procedures for lifting a security hold may delay your credit applications if you are actively seeking a new credit, loan, utility, telephone, or insurance account. It is advisable to prepare in advance and remove a moratorium before applying for new credit. A personal identification number or password will be provided to you when you place a security freeze on your credit report. This number or password will be used if you choose to remove the freeze or authorize the release of your credit report for a period of time after the freeze is in place.

To grant that authorization, you need to reach out to the consumer reporting agency and supply all of the following:

(1) The password or personal identification number.

(2) A valid form of identification to confirm your identity.

(3) The appropriate information regarding the duration of the report’s availability.

Consumer reporting agencies are required to authorize the release of your credit report within fifteen (15) minutes of receiving the aforementioned information if the request is made via electronic means or telephone, or within three business days if the request is made in writing.

A security freeze does not apply to a person or entity, any of its affiliates, or collection agencies that are acting on behalf of the person or entity with which you have an existing account. These entities are requesting information from your credit report for the purpose of reviewing or collecting the account. Activities associated with account maintenance are included in the account review. You are entitled to file a civil action against any individual, including a consumer reporting agency, who improperly obtains access to a file, knowingly or willfully misuses file data, or fails to promptly rectify inaccurate file data. A consumer reporting agency has the authority to impose a fee of no more than $3.00 on you in order to place a freeze on your credit report, unless you are 65 years of age or older, a victim of identity theft, and present a police report or other official document that is acceptable to a consumer reporting agency to verify the crimes.

Indiana Consumer Rights Notice

TO PROTECT YOUR PRIVACY AND ENSURE THAT CREDIT IS NOT GRANTED IN YOUR NAME WITHOUT YOUR KNOWLEDGE, YOU MAY OBTAIN A SECURITY FREEZE ON YOUR CONSUMER REPORT UNDER IC 24-5-24. WITHOUT YOUR EXPRESS AUTHORIZATION OR APPROVAL, THE SECURITY FREEZE WILL PREVENT A CONSUMER REPORTING AGENCY FROM RELEASING ANY INFORMATION IN YOUR CONSUMER REPORT.

The Security Freeze is intended to prevent the approval of credit loans and services in your name without your consent. Upon implementing a security freeze on your consumer report, you will receive a personal identification number within ten (10) business days. This number will be required if you elect to remove the security freeze or temporarily authorize the release of your consumer report to a specific individual or for a specific period of time after the security freeze has been implemented. A SECURITY FREEZE IS NOT APPLICABLE TO PERSONS OR ENTITIES LISTED IN IC 24-5-24-11.

It is crucial to be cognizant of the fact that the implementation of a security freeze may result in a delay in the processing of your credit applications if you are presently in the process of obtaining credit. In accordance with IC 24-5-24, you are entitled to file a civil action against an individual who violates your rights.

Maryland Consumer Rights Notice

Under § 14-1212.1 of the Commercial Law Article of the Annotated Code of Maryland, you are entitled to place a security restriction on your credit report. Your credit report or any information derived from your credit report will not be released by a consumer reporting agency without your explicit authorization under the security restriction. One of the objectives of a security freeze is to prevent the approval of credit, loans, and services in your name without your assent. A consumer reporting agency is prohibited from charging a fee for any service related to a security freeze, including the placement, provisional lifting, or removal of a security freeze.

By sending a written request via certified mail, electronic mail, or the Internet, you have the option to request that a consumer reporting agency place a security restriction on your credit report, provided that the agency offers a secure electronic connection. Within three business days of receiving your request, the consumer reporting agency is required to implement a security restriction on your credit report. A unique personal identification number or password will be provided to you within five business days of the placement of a security freeze on your credit report. This number or password can be used to temporarily lift the security freeze in order to release your credit report to a specific individual or for a specific period of time. Additionally, you will be provided with information regarding the procedures for temporarily lifting or removing a security freeze.

In order to temporarily remove the security restriction on your credit report, you must contact the consumer reporting agency and submit the following in order:

(1) The consumer reporting agency’s unique personal identification number or password;

(2) The appropriate identifying information to confirm your identity;

(3) The appropriate information regarding the recipient of the credit report or the duration of its availability to users.

Once a request to temporarily lift a security hold on a credit report is received, a consumer reporting agency is required to comply within three business days, or within fifteen minutes for specific requests. Within three business days of receiving a request to remove a security freeze from a credit report, a consumer reporting agency is required to oblige.

It is important to be aware that the procedures for lifting a security hold may impede the pace of your credit applications if you are actively seeking credit. It is advisable to prepare in advance and release a security freeze a few days prior to applying for new credit. This can be done for a specific creditor if you are applying exclusively to that creditor, or for all credit sources if you are seeking credit from a variety of sources.

If your current creditor or its agents or affiliates request a copy of your credit report for certain types of account review, collection, fraud control, or similar activities and you have an existing account relationship, a security freeze does not apply.

Massachusetts Consumer Rights Notice

You are entitled to receive a copy of your credit file from a consumer credit reporting agency. A reasonable fee of no more than $8 may be imposed on you. However, there is no charge if you have been denied credit, employment, insurance, or a rental home due to information in your credit report within the past 60 days. The consumer credit reporting agency is required to assign an individual to assist you in interpreting the information contained in your credit file. Upon request, you are entitled to receive one complimentary consumer credit report each calendar year.

You have the right to contest inaccurate information by contacting the consumer reporting agency directly, either in writing, by mail, electronic communication through the credit reporting agency website, or by telephone. The consumer reporting agency is required to provide a live representative to assist in dispute resolution whenever possible and practicable, or to the extent consistent with federal law, upon request and without unreasonable delay. Nevertheless, neither you nor any credit repair company or credit service organization has the authority to have verifiable, accurate, and up-to-date information removed from your credit report. In the majority of instances, the consumer credit reporting agency is required to eliminate accurate, negative information from your report if it is more than seven years old and bankruptcy information if it is more than ten years old, as stipulated by state and federal law.

If the dispute is not resolved to your satisfaction through reinvestigation, you have the option to submit a statement to the consumer credit reporting agency for inclusion in your file. This statement should provide an explanation for why you believe the record is inaccurate. The consumer credit reporting agency is required to incorporate your statement regarding the disputed information into the report it generates regarding you.

You have the right to receive a record of all inquiries regarding a credit transaction that were initiated within the six months prior to your request, or two years in the case of a credit report used for employment purposes. The recipients of any consumer credit report shall be included in this record.

By calling the agency’s toll-free telephone number, contacting the agency through electronic communication, or in writing, you have the right to opt out of any prescreening lists compiled by or with the assistance of a consumer credit reporting agency. In certain situations, you may be eligible to receive compensation if you are harmed as a result of a negligent or intentional violation of the credit reporting act.

You are entitled to request a “security freeze” on your consumer report. The security freeze will prevent a consumer reporting agency from disclosing any information in your consumer report without your explicit consent. A security freeze may be requested by transmitting a request to a consumer reporting agency via secure electronic means, toll-free telephone, or mail in accordance with 15 U.S.C. section 1681c-1. The security freeze is intended to prevent the approval of credit, financing, or services in your name without your consent. Please be advised that the implementation of a security freeze may result in the delay, interference, or prevention of the timely approval of any subsequent request or application you submit, including but not limited to: new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transactions, or other services, such as an extension of credit at the point of sale.

When you request a security block on your consumer report, the consumer reporting agency must provide confirmation of the security freeze within five business days of receiving your request, in accordance with 15 U.S.C. section 1681c-1.

Missouri Consumer Rights Notice

Consumers in Missouri are entitled to request a security freeze.

You are entitled to implement a “security freeze” on your credit report, which will prevent a consumer credit reporting agency from disclosing information in your credit report without your explicit consent. A security lockdown must be requested in writing via mail or other approved methods. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at point of sale, a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transaction, or other services, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. A personal identification number or password will be provided to you when you place a security freeze on your credit report. This number or password will be used if you choose to remove the freeze or authorize the release of your credit report for a period of time after the freeze is in place. In order to grant authorization, you must contact the consumer credit reporting agency and furnish the following:

The personal identification number or password;
Appropriate identification to confirm your identity;
The appropriate information regarding the duration of the report’s availability.

Under specific circumstances, a consumer credit reporting agency is required to authorize the release of your credit report no later than fifteen minutes after receiving the aforementioned information.

You are entitled to file a civil action against any individual, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to remedy inaccurate file data.

Montana Consumer Rights Notice

Consumers in Montana are entitled to request a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. A personal identification number, password, or other device will be provided to you within five business days of placing a security freeze on your credit report. This device will be used if you choose to remove the security freeze or temporarily authorize the release of your credit report for a specific party or period of time after the security freeze is in place. In order to grant authorization, you must contact the consumer reporting agency and furnish the following:

(1) the consumer reporting agency’s unique personal identification number, password, or other device;

(2) the appropriate identification to confirm your identity;

(3) the appropriate information regarding the third party or parties who are to receive the credit report or the period of time for which the credit report is to be available to users;

(4) a fee, if applicable.

A consumer reporting agency that receives a request from a consumer to temporarily lift a security freeze on a credit report must comply with the request no later than three business days after receiving it, or within 15 minutes of receiving the request by telephone or through a secure electronic connection after January 31, 2009.

A security freeze is not applicable in situations where your existing creditor or its agents or affiliates request a copy of your credit report for certain types of account review, collection, fraud control, or similar activities, and you have an existing account relationship.

You have the right to file a civil action against an individual who violates your rights under the credit reporting laws. The action may be initiated against a consumer reporting agency or a user of your credit report.

Nevada Consumer Rights Notice

You are entitled to impose a security freeze on your file, which will prevent a reporting agency from disclosing any information in your file without your explicit consent. A security lockdown must be requested in writing via certified mail. The security lockdown is intended to prevent a reporting agency from disclosing your consumer report without your authorization. You should be aware, however, that the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who is allowed access to the personal and financial information in your file. You will be assigned a personal identification number or password to use in the event that you elect to remove the security freeze from your file or to authorize the temporary release of your consumer report for a specific individual or period after the security freeze has been instituted. You must contact the reporting agency and provide the following information in order to provide that authorization:

Sufficient identification to verify your identity.

Your personal identification number or password provided by the reporting agency.

A statement that you choose to remove the security freeze from your file or that you authorize the reporting agency to temporarily release your consumer report. If you authorize the temporary release of your consumer report, you must name the person who is to receive your consumer report or the period for which your consumer report must be available.

A reporting agency must remove the security freeze from your file or authorize the temporary release of your consumer report not later than 3 business days after receiving the above information.

A security freeze does not apply to specific individuals, such as a person or collection agencies acting on behalf of a person, with whom you have an existing account who request information in your consumer report for the purpose of reviewing or collecting.

New Hampshire Consumer Rights Notice

Consumers in New Hampshire are entitled to request a security freeze on a consumer credit report.

In accordance with RSA 359-B:24, you are entitled to implement a “security freeze” on your credit report. A credit report, which is commonly referred to as a consumer report, is referred to as such under New Hampshire law.

The security freeze will prevent a consumer reporting agency from disclosing any information in your consumer report without your explicit consent. A security lockdown can be requested in writing via first-class mail, telephone, or electronic means.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your consumer report. This includes: new loans, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transactions, or other services.

The suspension will be placed within three business days if you request it by mail, or within twenty-four hours if you request it by telephone or electronic means. A personal identification number or password will be provided to you within three business days of placing a security freeze on your credit report. This number or password can be used to temporarily lift the security freeze, remove it altogether, or lift it with regard to a specific third party.

When your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a freeze does not apply.

If you are actively pursuing credit or services, it is advisable to plan ahead and lift a freeze, as a security freeze may impede your applications, as previously mentioned.

By contacting the consumer reporting agency and providing the following information, you can remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a specific third party:

(1) Your password or personal identification number.

(2) A valid form of identification to confirm your identity.

(3) Appropriate information regarding the duration of time for which you wish to make your report accessible to consumers or the third party with respect to whom you wish to relieve the freeze.

Consumer reporting agencies that receive a request from you to temporarily lift a freeze or to lift a freeze with respect to a specific third party on a consumer report must comply with the request no later than three business days after receiving the request by mail or no later than fifteen minutes after receiving the request by telephone or in electronic form.

A consumer reporting agency is prohibited from imposing a fee for the purpose of freezing, removing, provisionally lifting, or lifting a freeze with respect to a specific third party.

New Jersey Consumer Rights Notice

Consumers in New Jersey are entitled to request a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. The personal identification number or password you are provided with within five business days of placing a security freeze on your credit report will be used to temporarily authorize the release of your credit report for a specific party or period of time after the freeze is in place or to remove the freeze. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

(i) The consumer reporting agency’s unique personal identification number or password;

(ii) Valid identification to confirm your identity;

(iii) The appropriate information regarding the third party or parties who are to receive the credit report or the duration of the report’s availability to credit report users.

A consumer reporting agency must respond to a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request, as stipulated by regulation.

New Mexico Consumer Rights Notice

Consumers in New Mexico are entitled to submit a Declaration of Removal or obtain a security freeze.

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to implement a security block on your credit report. In order to eliminate information that has been incorporated into your credit report as a consequence of identity theft, you may submit a declaration of removal. In accordance with the Fair Credit Reporting and Identity Security Act, you are entitled to either submit a declaration of removal or place a security hold on your credit report.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

The security freeze is intended to prevent non-consensual approval of credit, financing, and services in your name. If you elect to remove the freeze on your credit report or temporarily authorize the release of your credit report to a specific party or parties for a specific period of time after the freeze is in place, you will be provided with a personal identification number, password, or similar device. To authorize the temporary release of your credit report or to rescind the freeze, you must contact the consumer reporting agency and provide the following:

(1) the consumer reporting agency’s unique personal identification number, password, or similar device;

(2) valid identification to confirm your identity;

(3) information regarding the third party or parties to receive the credit report or the duration of time for which the credit report may be released to users of the credit report;

(4) payment of a fee, if applicable.

A consumer reporting agency must comply with a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request. A consumer reporting agency is required to respond to the request within fifteen minutes of receiving it, either through a secure electronic method or the telephone, as of September 1, 2008.

A security freeze is not appropriate in all situations, including when your existing creditor or its agents request a copy of your credit report for specific account review, collection, fraud control, or similar activities, for the purpose of setting or adjusting an insurance rate or claim or insurance underwriting, for certain governmental purposes, or for the purpose of prescreening as defined in the federal Fair Credit Reporting Act.

If you are currently in the process of applying for a new credit, loan, utility, telephone, or insurance account, it is important to be aware that the procedures for lifting a security restriction may cause a delay in your credit applications. Before applying for new credit, it is advisable to plan ahead and lift a freeze, either completely if you are browsing around or specifically for a specific creditor, with sufficient advance notice to ensure that the lifting takes effect. Before submitting an application, it is recommended that you reach out to a consumer reporting agency and request that the hold be lifted at least three business days in advance. The consumer reporting agency is required to rescind the freeze within fifteen minutes if you contact them via a secure electronic method or by telephone, effective September 1, 2008. You are entitled to file a civil action against a consumer reporting agency that violates your rights under the Fair Credit Reporting and Identity Security Act.

New York Consumer Rights Notice

CONSUMERS IN NEW YORK ARE ENTITLED TO REQUEST A SECURIY FREEZE.

YOU ARE ENTITLED TO IMPOSE A “SECURITY FREEZE” ON YOUR CREDIT REPORT, WHICH WILL PREVENT A CONSUMER CREDIT REPORTING AGENCY FROM DISCLOSING INFORMATION IN YOOUR CREDIT REPORT WITHOUT YOUR EXPRESS CONSENT. A CONSUMER CREDIT REPORTING AGENCY IS BARRED FROM CHARGING YOU A FEE FOR THE PLACEMENT, REMOVAL, OR TEMPORARY LIFT OF A SECURITY FREEZE, OR FOR THE ISSUANCE OF A REPLACEMENT PERSONAL IDENTIFICATION NUMBER (PIN) OR PASSWORD IN THE EVENT THAT YOU FAIL TO RETAIN THE ORIGINAL PIN OR PASSWORD PROVIDED TO YOU BY SUCH CONSUMER CREDIT REPORTING AGENCY. A SECURITY FREEZE MUST BE REQUESTED IN WRITING, VIA DELIVERY CONFIRMATION REQUESTED, TELEPHONE, SECURE ELECTRONIC MEANS, OR OTHER METHODS DEVELOPED BY THE CONSUMER CREDIT REPORTING AGENCY. THE SECURITY FREEZE IS INTENDED TO PREVENT THE. APPROVAL OF CREDIT, LOANS, AND SERVICES IN YOUR NAME WITHOUT. YOUR CONSENT. HOWEVER, YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO TAKE CONTROL OVER WHO GETS ACCESS TO THE PERSONAL AND FINANCIAL INFORMATION IN YOUR CREDIT REPORT MAY DELAY, INTERFERE WITH, OR PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE REGARDING A NEW LOAN, CREDIT, MORTGAGE, GOVERNMENT SERVICES OR PAYMENTS, INSURANCE, RENTAL HOUSING, EMPLOYMENT, INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE. A PERSONAL IDENTIFICATION NUMBER OR PASSWORD WILL BE PROVIDED TO YOU WHEN YOU PLACE A SECURITY FREEZE ON YOUR CREDIT REPORT. YOU WILL NEED TO USE THIS NUMBER OR PASSWORD TO REMOVE THE FREEZE OR AUTHORIZE THE RELEASE OF YOUR CREDIT REPORT TO A SPECIFIC PARTY OR FOR A PERIOD OF TIME AFTER THE FREEZE IS IN PLACE. IN ORDER TO OBTAIN THAT AUTHORIZATION, YOU MUST CONTACT THE CONSUMER CREDIT REPORTING AGENCY SUBMIT THE FOLLOWING:

(1) THE PERSONAL IDENTIFICATION NUMBER OR PASSWORD;

(2) THE ADEQUATE IDENTIFICATION TO VERIFY YOUR IDENTITY;

(3) THE APPROPRIATE INFORMATION REGARDING THE PARTY OR PARTIES WHO ARE TO RECEIVE THE CREDIT REPORT OR THE PERIOD OF TIME FOR WHICH THE REPORT SHALL BE AVAILABLE TO USERS OF THE CREDIT REPORT.

The release of your credit report must be authorized by a consumer credit reporting agency no later than three business days after the aforementioned information is received. Beginning September 1, 2009, a consumer credit reporting agency that receives a request via telephone or a secure electronic method is required to provide a consumer’s credit report within fifteen minutes of receiving the request.

In the event that you have an existing account relationship and your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a security freeze does not apply.

If you are currently in the process of obtaining credit, it is important to be aware that the procedures associated with implementing a security freeze may cause a delay in the processing of your credit application. Before applying for new credit, it is advisable to plan ahead and lift a freeze, either completely if you are shopping around or specifically for a specific creditor. It is not necessary to relinquish your pin or password to the creditor or business when seeking credit or pursuing another transaction that necessitates access to your credit report; you may directly contact the consumer credit reporting agency. If you elect to disclose your password or pin to the creditor or business, it is advised that you obtain a new password or pin from the consumer credit reporting agency.

North Carolina Consumer Rights Notice

Consumers in North Carolina are entitled to request a security freeze.

North Carolina law grants you the authority to implement a “security freeze” on your credit report. The security lockdown will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit consent.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. This includes the following: new loans, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transactions, or other services.

The moratorium will be implemented within three business days if you submit a request via mail, or within 24 hours if you submit a request via telephone or electronic means. A personal identification number or password will be provided to you within three business days of placing a security freeze on your credit report. This number or password can be used to temporarily lift the security freeze, remove it altogether, or lift it with regard to a specific third party.

When your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a freeze does not apply.

If you are actively pursuing credit or services, it is advisable to plan ahead and lift a freeze, as a security freeze may impede your applications, as previously mentioned.

By contacting the consumer reporting agency and providing the following information, you can remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a specific third party:

(1) Your personal identification number or password,

(2) Valid identification to confirm your identity,

(3) Information regarding the duration of time you wish for your report to be accessible to credit report users or the third party for which you wish to relieve the freeze.

After receiving a request from you to temporarily lift a freeze or to lift a freeze with respect to a specific third party on a credit report, a consumer reporting agency must comply with the request within three business days by mail or within 15 minutes by telephone or electronic means. If your request is submitted via mail or telephone, a consumer reporting agency may impose a fee of up to three dollars ($3.00) to implement a suspension. If any of the following are true, a consumer reporting agency is prohibited from charging you any amount to freeze, remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a specific third party:

(1) Your request is submitted electronically.

(2) You are over the age of 62.

(3) You are the spouse of an individual who has been the victim of identity theft and has submitted a valid investigative or incident report or complaint to a law enforcement agency regarding the illicit use of your identifying information by another person.

North Dakota Consumer Rights Notice

Consumers in North Dakota are entitled to request a security freeze.

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to request a security block on your consumer credit file at no cost. In accordance with North Dakota law, you are entitled to implement a “security freeze” on your consumer credit file.

The security freeze will prevent a consumer reporting agency from disclosing any information in your consumer credit file without your explicit authorization or approval.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Within five business days of placing a security freeze on your credit file, you will be provided with a personal identification number or password to use if you choose to temporarily authorize the release of your credit report or credit score for a specific party or period of time after the freeze is in place or to remove the freeze. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

The consumer reporting agency’s password or personal identification number that is exclusive to the individual.
Valid identification to confirm your identity.
The appropriate information regarding the third party or parties that are to receive the credit report or the duration of time for which the report will be accessible to credit report users.

A consumer reporting agency must comply with a consumer’s request to temporarily rescind a freeze no later than three business days after receiving the request.

A consumer reporting agency may impose a fee of up to five dollars for each freeze or temporary lift. However, there is an exception: a victim of identity theft who has submitted a copy of a valid investigative report or complaint to a law enforcement agency regarding the unlawful use of their information by another individual will not be charged any fee.

If you are currently in the process of applying for a new credit, loan, utility, or telephone account, it is important to be aware that the procedures for lifting a security restriction may cause a delay in your credit applications. Before applying for new credit, it is advisable to plan ahead and lift a freeze, either completely if you are browsing around or specifically for a specific creditor, with sufficient advance notice to ensure that the lifting takes effect.

Ohio Consumer Rights Notice

Consumers in Ohio are entitled to request a security freeze.

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to implement a security block on your credit report. In accordance with Ohio law, you are entitled to implement a “security freeze” on your credit report. The security restriction will prevent a consumer credit reporting agency from disclosing any information in your credit report without your explicit authorization or approval. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. A personal identification number or password will be provided to you within five business days of placing a security freeze on your credit report. This number or password can be used to temporarily authorize the release of your credit report for a specific party or parties or for a specific period of time after the security freeze is in place. In order to grant authorization, you must contact the consumer credit reporting agency and furnish the following:

a) Information that is generally deemed adequate to identify the consumer;
b) The unique personal identification number or password provided by the consumer credit reporting agency;
c) The appropriate information regarding the third party who is to receive the consumer credit report or the time period for which the credit report shall be available to users of the credit report.

A consumer credit reporting agency must concur with a consumer’s request to temporarily lift a security freeze on a credit report within fifteen minutes of receiving the request.

In order to safeguard the identity of a “protected consumer” and prevent the unauthorized granting of credit in their name, the parent or guardian of a minor under the age of sixteen, or the guardian or conservator of an incapacitated or protected adult, may request a security freeze. In order to request a security hold for a protected consumer, the parent, guardian, or conservator of the protected consumer must provide sufficient evidence of authority to act on the consumer’s behalf. In addition to proof of identity for the protected consumer, the parent, guardian, or conservator must also provide sufficient evidence of their identity.

To request the removal of a security freeze on behalf of a protected consumer, the representative must contact the consumer credit reporting agency and submit the following:

(a) Adequate identification for both the protected consumer and the protected consumer’s representative;

(b) Adequate evidence of authority to act on behalf of the protected consumer.

Furthermore, upon attaining the age of sixteen, a minor protected consumer may request that the security barrier be lifted. A minor protected consumer who submits a request must provide proof of identity and age.

Upon receipt of a valid request to remove a security freeze on a credit report via certified mail or another comparable service, secure electronic method selected by the agency, telephone, or any other authorized method, a consumer credit reporting agency is required to comply with the request no later than thirty days.

Situations in which a protected consumer has an existing account relationship and a copy of their credit report is requested by their existing creditor or its agents or affiliates for specific purposes such as account review, collection, fraud control, or similar functions are not covered by security freezes.

The removal of a security restriction may cause a delay in the processing of credit applications for a protected consumer who is actively pursuing credit. It is crucial to acknowledge this effect. Remove a freeze one month before enrolling for new credit and prepare in advance.

Oklahoma Consumer Rights Notice

Consumers in Oklahoma are entitled to request a security freeze.

You are entitled to implement a “security freeze” on your credit report, which will prevent a consumer reporting agency from disclosing information in your credit report without your explicit consent. A security lockdown must be requested in writing via certified mail. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at point of sale, a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. A personal identification number or password will be provided to you when you place a security freeze on your credit report. This number or password will be used if you choose to remove the freeze or authorize the release of your credit report for a period of time after the freeze is in place. In order to grant authorization, you must contact the consumer reporting agency through one of the methods it specifies and submit all of the requirements:

The personal identification number or password;
Valid identification to confirm your identity;
The appropriate information regarding the report’s availability;
Payment of the appropriate fee.

The consumer reporting agency is required to authorize the release of your credit report no later than three (3) business days after receiving all of the aforementioned items, using any method that the agency permits.

You are entitled to file a civil action against any individual, including a consumer reporting agency, who willfully or negligence fails to adhere to any provision of the Oklahoma Consumer Report Security Freeze Act.

A consumer reporting agency has the authority to impose a freeze on your credit report for a fee of up to Ten Dollars ($10.00). Additionally, they may charge you up to Ten Dollars ($10.00) to temporarily relieve a freeze and up to Ten Dollars ($10.00) to remove a freeze from your credit report. If you are a victim of identity theft and have submitted a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person at the time the security freeze is requested, or if you are sixty-five (65) years of age or older for the initial placement and removal of a security freeze, you will not be charged any fee.

Rhode Island Consumer Rights Notice

Consumers in Rhode Island are entitled to request a security freeze.

In order to safeguard your privacy and prevent credit from being granted in your name without your consent, it is possible to implement a security block on your credit report. Chapter 48 of title 6 of the Identity Theft Prevention Act of 2006 grants you the authority to implement a “security freeze” on your credit report.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. In the event that you elect to remove the security freeze on your credit report or temporarily authorize the release of your credit report for a specific period of time after the freeze is in effect, you will be provided with a personal identification number or password within five (5) business days of placing the freeze. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

(1) Consumer reporting agencies furnish consumers with a distinctive personal identification number or password.

(2) A valid form of identification to confirm your identity.

(3) The appropriate information regarding the duration of the report’s availability to credit report users.

A consumer reporting agency must respond to a consumer’s request to temporarily relieve a freeze on a credit report within three (3) business days of receiving the request.

If an individual violates your rights under the credit reporting laws, you are entitled to file a civil action. The action may be taken against a consumer reporting agency or a user of your credit report. Unless you are a victim of identity theft with an incident report or complaint from a law enforcement agency, or you are sixty-five (65) years of age or older, a consumer reporting agency has the right to charge you up to ten dollars ($10.00) to place a freeze on your credit report, up to ten dollars ($10.00) to temporarily lift a freeze on your credit report, depending on the circumstances, and up to ten dollars ($10.00) to remove a freeze from your credit report. A consumer reporting agency may not impose a fee for the placement, temporary lifting, or removal of a hold if you are sixty-five (65) years of age or older, or if you are a victim of identity theft with a valid incident report or complaint.

Tennessee Consumer Rights Notice

CONSUMERS IN TENNESSEE ARE ENTILED TO REQUEST A SECURITY FREEZE.

A personal identification number or password will be provided to you when you place a security freeze on your credit report. This number or password will be used if you choose to remove the freeze or authorize the release of your credit report for a period of time after the freeze is in place. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

(1) The personal identification number or password;

(2) Valid identification to confirm your identity;

(3) Accurate information regarding the duration of the report’s availability.

The dissemination of your credit report must be authorized by a consumer reporting agency no later than fifteen (15) minutes after the aforementioned information is received.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of fraud control, or reviewing or collecting the account(s). Activities associated with account maintenance are included in the account review.

You may wish to submit a complaint to the federal trade commission, the attorney general, and the reporter regarding your identity theft situation. This can be done either in writing or through their respective websites.

You are entitled to file a civil action against any individual, including a consumer reporting agency, who improperly acquires access to a file, mishandles file data, or neglects to rectify inaccurate file data.

Texas Consumer Rights Notice

Under Texas law, you are entitled to the following:

A consumer reporting agency may provide you with a copy of your consumer report or file. The agency is required to provide you with all information about you in their file in writing upon request, provided that you provide appropriate identification. The agency has the right to impose a reasonable fee for a file disclosure request. Nevertheless, the agency is prohibited from charging for a request of this nature that is either (1) submitted within 60 days of an adverse action being taken against you or (2) submitted after the expiration of a 45-day security Alert.

A security alert or halt may be implemented on your consumer report. A security alert notifies the recipient of your consumer report that your identity may have been misused without your knowledge. A security alert must be placed on your consumer file by a consumer reporting agency upon your request in writing or by telephone, provided that you have provided the necessary identification. A telephone number may be included in your security alert request to be used by individuals to authenticate your identity prior to engaging in a transaction. The security alert must be in effect for a minimum of 45 days. The consumer reporting agency is required to provide the consumer with a copy of their file upon request and upon the provision of appropriate identification by the consumer at the conclusion of the 45-day period.

Additionally, you have the option to implement a security lockdown on your consumer report. This measure is designed to prevent a consumer reporting agency from disclosing any information contained within your consumer report without your explicit consent. A security block request must be submitted via certified mail and must include the appropriate identification. A personal identification number or password will be provided to you when you place a security block on your consumer report. This number or password can be used to remove the freeze or authorize the release of your consumer report for a specific party or period of time. A replacement for your personal identification number or password may be requested in writing. A security freeze may be temporarily lifted or removed from your consumer report upon request, provided that you provide appropriate identification, such as your personal identification number or password, and submit a written or telephone request.

You have the right to contest any information in your file that is incomplete or inaccurate. The consumer reporting agency is required to reinvestigate the disputed information without charge and document the current status of the disputed information before the end of 30 business days if you directly notify the agency of the dispute and identify information in your file that you believe is incomplete or inaccurate. A reinvestigation of disputed information may be terminated by a consumer reporting agency if the agency determines that the dispute is frivolous or irrelevant.

In order to enforce a consumer reporting agency’s obligation, you have the option of filing a legal action in court. Alternatively, you may submit the matter to binding arbitration in accordance with the rules of the American Arbitration Association after following the standard dispute procedures and receiving notification of the results of the dispute investigation, provided that both parties agree.

You can find the complete text of the Texas law, V.T.C.A., Bus. & C. § 20.03, at https://statutes.capitol.texas.gov. You may have additional rights under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., which is available online at http://www.ftc.gov.

Vermont Consumer Rights Notice

NOTICE TO VERMONT CONSUMERS

You are entitled to receive one complimentary copy of your credit report from each credit reporting agency every 12 months under Vermont law. If you wish to obtain a complimentary credit report from AcuFi Consumer Reporting Agency, you should request a copy from us by contacting us at https://acufi.com, or writing to the following address: AcuFi CRA, ACUFI Mailing Address, U.S.A.

Except in the following restricted circumstances, Vermont law prohibits anyone from accessing your credit report without your consent:

(A) in response to a court order;

(B) for direct mail offers of credit;

(C) if you have given ongoing permission and have an existing relationship with the person requesting a copy of your credit report;

(D) where the request for a credit report is related to an education loan made, guaranteed, or serviced by the Vermont Student Assistance Corporation;

(E) where the request for a credit report is by the Office of Child Support when investigating a child support case;

(F) where the request for a credit report is related to a credit transaction entered into prior to January 1, 1993;

(G) where the request for a credit report is by the Vermont Department of Taxes and is used for the purpose of collecting or investigating delinquent taxes.

If you are of the opinion that a law governing consumer credit reporting has been violated, you have the option to submit a complaint to the Vermont Attorney General’s Consumer Assistance Program, 104 Morrill Hall, University of Vermont, Burlington, Vermont 05405.

Consumers in Vermont are entitled to request a security freeze.

You are entitled to place a “security freeze” on your credit report at no cost in accordance with 9 V.S.A. § 2480h. The security lockdown will prevent a credit reporting agency from disclosing any information in your credit report without your explicit consent. A security lockdown must be requested in writing via certified mail.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. This includes new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services.

You will be provided with a personal identification number, password, or other method of authentication that is equally or more secure than a password within ten business days of placing a security freeze on your credit report. This information will be used if you choose to remove the freeze or authorize the release of your credit report for a specific party or period of time after the freeze has been in place. In order to grant authorization, you must contact the credit reporting agency and furnish the following:

(1) The credit reporting agency’s distinctive personal identification number, password, or alternative authentication method.

(2) A valid form of identification to confirm your identity.

(3) The appropriate information regarding the third party or parties that are to receive the credit report or the duration of time for which the report will be accessible to credit report users.

After the freeze is in place, a credit reporting agency is prohibited from charging a fee to remove the freeze on your credit report or to authorize the release of your credit report for a specific party or period of time.

A credit reporting agency must respond to a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request.

A security freeze will not apply to “preauthorized approvals of credit.” If you want to stop receiving preauthorized approvals of credit, you should contact AcuFi Consumer Reporting Agency at AcuFI Website Address https://acufi.com, or write to the following address: AcuFi CRA, Attn: ACUFI Address, U.S.A..

Provided that you have previously authorized the use of your credit reports, a security freeze does not apply to a person or entity, its affiliates, or collection agencies acting on behalf of the person or entity with which you have an existing account that requests information in your credit report for the purpose of reviewing or collecting the account. The review of the account encompasses activities such as account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

You have the right to file a civil action against an individual who violates your rights under the credit reporting laws. The action may be initiated against a credit reporting agency or a user of your credit report.

Virginia Consumer Rights Notice

Consumers in Virginia are entitled to request a security freeze.

You are entitled to implement a “security freeze” on your credit report, which will prevent a consumer reporting agency from disclosing information in your credit report without your explicit consent. A security lockdown must be requested in writing via certified mail. The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at point of sale, a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. After placing a security freeze on your credit report, you will be given a personal identification number or password to use if you wish to remove the freeze or authorize the release of your credit report for a specific party or for a temporary period. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

The personal identification number or password;
Valid identification to confirm your identity;
The appropriate information regarding the specific party or time frame for which the report is available.

The dissemination of your credit report must be authorized by a consumer reporting agency no later than three business days after the aforementioned information is received. The dissemination of your credit report must be authorized by a consumer credit reporting agency within 15 minutes of receiving the request.

You are entitled to file a civil action against any individual, including a consumer reporting agency, who improperly obtains access to a file, knowingly or willfully misuses file data, or fails to promptly rectify inaccurate file data.

A consumer reporting agency is not authorized to impose a fee on you for the purpose of implementing a credit report suspension.

Washington Consumer Rights Notice

The following are your rights under the WFCRA: You have the right to request all information about yourself in the files of a consumer reporting agency at any time, with the exception of medical information, which may be withheld and provided directly to your medical provider. A file disclosure may be requested and obtained in person, by telephone, or through any other reasonable method that the consumer reporting agency has made available and has been authorized by the consumer. Proper identification is required. In any 12-month period, you are entitled to one complimentary annual file disclosure. A limited fee may be imposed for each additional disclosure request submitted within the 12-month period. In the event that an individual has taken adverse action against you as a result of information in your report, the reinvestigation of information you dispute, or corrected reports resulting from the deletion of inaccurate or unverifiable information, you may not be charged for a consumer report. You must be informed if the information in your consumer file has been used against you. A person is required to provide you with written notice of an adverse action taken against you, such as a denial of credit, if the action is based in whole or in part on information contained in a consumer report. Furthermore, the individual who is taking adverse action is required to furnish you with the name, address, and telephone number of the consumer reporting agency that issued the consumer report. You are entitled to contest any incomplete or inaccurate information contained in your file. The consumer reporting agency is required to reinvestigate the disputed information without charge and document the current status of the disputed information before the end of 30 business days if you directly notify the agency of the dispute and identify information in your file that you believe is incomplete or inaccurate. A reinvestigation of disputed information may be terminated by a consumer reporting agency if the agency determines that the dispute is frivolous or irrelevant. Inaccurate or unverifiable information must be rectified or removed by consumer reporting agencies. The consumer reporting agency is required to remove the information from your file and inform you of the correction upon the conclusion of the reinvestigation if the information you disputed is found to be inaccurate or cannot be verified. Information that is deleted may not be reinserted unless the individual who provided it confirms that it is accurate and comprehensive. In the event that the reinvestigation fails to resolve your dispute, you have the option of submitting a concise statement (which may be restricted to 100 words) to the consumer reporting agency. This statement will be included in your consumer file and any subsequent consumer reports that contain the disputed information. In general, consumer reporting agencies are prohibited from reporting obsolete negative information. This means that they are prohibited from reporting bankruptcies that are more than ten years old or negative information that is more than seven years old. The information that consumer reporting agencies may provide about you is only available to individuals who have a legitimate need to do so. This information is typically used to evaluate an application with a creditor, insurer, employer, landlord, court, or government agency, or in accordance with your written instructions. If employers receive reports, you must be informed. Employers may not receive information regarding you from a consumer reporting agency without your consent. Before obtaining a consumer report, a prospective employer must either obtain your consent or provide a plain and conspicuous disclosure in writing. A report may not be received by a current employer unless it has given you written notice that the report may be used for employment purposes. Furthermore, the WFCRA places more stringent restrictions on the grounds for which an employer may obtain a consumer report than the federal FCRA: Unless the information is substantially job-related and the employer’s reasons for using the information are disclosed in writing, or the information is mandated by law, an employer is prohibited from obtaining a report that indicates the consumer’s credit worthiness, credit standing, or credit capacity. If a consumer reporting agency provides prescreened lists, you have the option to exclude your name and address from any “prescreened” list that is provided for the purpose of making unsolicited credit offers to you. You have the option to implement a security block on your credit report. To prevent your credit report from being shared with potential creditors during the credit eligibility determination process, you may request that a security freeze be placed on your credit report under specific circumstances. You may be able to prevent the appearance of information resulting from identity theft on your credit report. Certain consumer reporting agencies are required to permanently prevent misrepresentation that arises from identity theft from appearing on your credit report if you are a victim. Before the consumer reporting agency can place a block on your report, you must submit a copy of a police report as evidence of your claim. Damages may be pursued against violators of the WFCRA. In the event that the WFCRA is violated by a consumer reporting agency, a user of consumer report information, or a furnisher of information to a reporting agency, you may be able to pursue legal action in court to enforce your rights under the WFCRA. Under the WFCRA, inquiries or grievances may be directed to: Office of the Attorney General Consumer Protection Division 800 5th Avenue, Suite 2000 Seattle, Washington 98104 1-800-551-4636 or 206-464-6684 Consumer complaint forms and information can be accessed at the following website:http://www.atg.wa.gov/FileAComplaint.aspx. You can find the complete text of the WFCRA, located at Chapter 19.182 RWC, at https://leg.wa.gov. You may have additional rights under the federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., which is available online at http://www.ftc.gov.

West Virginia Consumer Rights Notice

Consumers in West Virginia are entitled to request a security freeze.

The security freeze will prevent a consumer-reporting agency from disclosing any information in your credit report without your explicit authorization or approval.

The security freeze is intended to prevent non-consensual approval of credit, financing, and services in your name. If you elect to remove the security freeze on your credit report or temporarily authorize the distribution of your credit report for a period of time after the freeze is in effect, you will be provided with a unique personal identification number or password within five business days of placing the freeze. In order to grant authorization, you must contact the consumer-reporting agency and submit the following:

(1) The unique personal identification number or password provided by the consumer-reporting agency

(2) Valid identification to confirm your identity

(3) The duration of the report’s availability to credit report users.

A consumer-reporting agency must concur with a consumer’s request to temporarily lift a freeze on a credit report within three business days of receiving the request.

It is important to be aware that the procedures for lifting a security hold may cause a delay in the processing of your credit applications if you are actively seeking credit. It is advisable to prepare in advance and remove a freeze a few days prior to applying for new credit, either completely if you are shopping around or specifically for a specific creditor.

You are entitled to file a civil action against an individual who infringes upon your rights under the credit reporting laws. A consumer-reporting agency may be the target of the action.

Wisconsin Consumer Rights Notice

Wisconsin Consumers Have the Right to Obtain a Security Freeze.

You are entitled to include a “security freeze” in your credit report, which will prevent a consumer reporting agency from disclosing information in your credit report in connection with a credit transaction without your explicit consent. A security block must be requested in writing via certified mail or any other method provided by a consumer reporting agency. The security lockdown is intended to prevent the approval of a credit extension, such as a loan, in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to regulate access to the personal and financial information in your credit report.

When you request a security freeze for your credit report, you will be given a personal identification number or password to use if you choose to remove the security freeze from your credit report or authorize the release of your credit report for a defined period after the security freeze is in effect. You must contact the consumer reporting agency and provide the following in order to provide the authorization:

(1) The password or personal identification number.

(2) A valid form of identification to confirm your identity.

(3) The duration of the report’s availability.

(4) The payment of the appropriate fee.

For the purpose of reviewing or collecting an account, a security hold does not apply to a person or its affiliates, or collection agencies acting on behalf of a person, with whom you have an existing account, who request information from your credit report. The review of the account encompasses activities such as account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

Consumer reporting agencies are permitted to charge a maximum of $10 for the inclusion of a security freeze in your credit report, the authorization of the release of a report that includes a security freeze, and the removal of a security freeze from your credit report, unless you are a victim of identity theft and have a police report to verify the event.

Consumers in West Virginia are entitled to request a security freeze.

The security freeze will prevent a consumer-reporting agency from disclosing any information in your credit report without your explicit authorization or approval.

(1) The unique personal identification number or password provided by the consumer-reporting agency

(2) Valid identification to confirm your identity

(3) The duration of the report’s availability to credit report users.

A consumer-reporting agency must concur with a consumer’s request to temporarily lift a freeze on a credit report within three business days of receiving the request.

You are entitled to file a civil action against an individual who infringes upon your rights under the credit reporting laws. A consumer-reporting agency may be the target of the action.

Federal & State Notices of Consumers Rights

A Summary of Your Rights Under the Fair Credit Reporting Act

You must be told if information in your file has been used against you. Anyone who uses a credit report or another kind of consumer report to reject your application for credit, insurance, or employment – or to take another negative action against you – must tell you and supply the name, address, and phone number of the entity that supplied the information.
You have the right to know what is in your file. You could ask and get all the data about you from consumer reporting agency files—your “file disclosure.” You will be asked to present appropriate identification, maybe including your Social Security number.
- a person has taken adverse action against you because of information in your credit report;
- you are the victim of identity theft and place a fraud alert in your file;
- your file contains inaccurate information as a result of fraud;
- you are on public assistance;
- you are unemployed but expect to apply for employment within 60 days.

You have the right to ask for a credit score. Numerical summaries of your credit-worthiness derived from credit agency data are your credit scores. Although you will have to pay for it, you could ask consumer reporting companies who produce scores or disseminate them used in residential real estate loans for your credit score. Sometimes mortgage transactions include free credit score information from the mortgage lender.
You have the right to challenge and dispute incomplete or inaccurate information. Unless your disagreement is minor, if you find incomplete or erroneous information in your file and notify the consumer reporting agency, the agency will investigate. See www.consumerfinance.gov/learnmorefor an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Usually within 30 days, erroneous, incomplete, or unverifiable information has to be deleted or updated. A consumer reporting organization might nevertheless, however, keep publishing information it has confirmed to be reliable.
Consumer reporting systems might not show current unfavorable information. Generally speaking, a consumer reporting service may not record bankruptcy more than ten years old or unfavorable material more than seven years old.

The access of your file is limited. Usually in consideration an application with a creditor, insurance, lender, landlord, or other business, a consumer reporting agency may share information about you only to those with a legitimate need. The FCRA lists people who clearly need access.
For reports delivered to companies, you have to permission. Without your explicit permission granted to your company or a possible employer, a consumer reporting agency may not provide information about you to either of them. Generally speaking, the trucking sector does not call for written consent. Visit for additional information: www.consumerfinance.gov/learnmore.
Based on information in your credit report, you could restrict “prescreened” credit and insurance offers. Credit and insurance unsolicited “prescreened” offers must contain a toll-free phone number you can call should you wish to have your name and address taken off of the lists these offers are based on. You can opt out using the national credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.

TYPE OF BUSINESS:	CONTACT:
1. a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:	a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions	a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480 c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. National Credit Union Administration Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
3. Air carriers	Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board	Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921	Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies	Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416
7. Brokers and Dealers	Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, etc.	Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above	Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

Remediating the Effects of Identity Theft

Should you be, or suspect you to be, the victim of identity theft, the Fair Credit Reporting Act (FCRA) grants you particular protections. The rights intended to assist in your recovery from identity theft are succinctly summarized below.
You have the right to ask that nationwide consumer reporting companies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as the agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
- Equifax: 1-800-525-6285; equifax.com
- Experian: 1-888-397-3742; experian.com
- TransUnion: 1-800-680-7289; transunion.com

Your “file disclosure,” or right, is for a free copy of the information in your file. An initial fraud alert entitles you to a copy of all the information in your file at each of the three countrywide agencies; an extended alert entitles you to two free file disclosures in a 12-month period following the posting of the alert. These extra disclosures could enable you to spot indicators of fraud, for instance, whether someone has reported a change in your address or whether bogus accounts have been formed under your name. Should you feel that the material in your file contains erroneous information resulting from fraud, such identity theft, you also have the right to a free copy of the information at any consumer reporting agency once a year. Under other FCRA clauses, you also have the right to get more free file disclosures. See www.consumerfinance.gov/learnmore.
You are entitled to get records about fake accounts formed or transactions made using your personal data. If you request them in writing, a creditor or other company has to provide you copies of applications and other business records pertaining to transactions and accounts resulting from identity theft. Before handing you the paperwork, a company might ask for an affidavit, a police report, and evidence of your identification. It might also provide you an address to forward your request. Sometimes a company might refuse to send you these records. See www.consumerfinance.gov/learnmore.
You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief – like the name of the credit and the amount of the debt.
Should you feel that material in your file reflects identity theft, you are entitled to request that a consumer reporting agency remove that information from your file. An identity thief can run up expenses in your name and ignore them. Your consumer report may show information about overdue bills. Should you wish to ask a consumer reporting agency to stop the publication of this information, you must specify the information to block and submit the consumer reporting agency a copy of your identity theft report together with evidence of your identity. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.
You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

State Notices of Consumer Rights

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Alabama Consumer Rights Notice

You have to get in touch with the consumer reporting agency and furnish all of the following in order to give that permission:

(1) Your personal identification number or password.

(2) Proper identification to verify your identity.

Alaska Consumer Rights Notice

(1) proper identification to verify your identity;

(2) the personal identification number, password, or similar device provided by the consumer credit reporting agency;

You are entitled to file a civil action against an individual who infringes upon your rights under these security freeze laws. A consumer credit reporting agency may be the target of the action.

Arkansas Consumer Rights Notice

(2) Proper identification to verify your identity; and

(3) The appropriate information regarding the duration of the credit report’s availability.

California Consumer Rights Notice

You have the right to request in writing that the information in your file not be disclosed to a third party for marketing purposes.

(1) The personal identification number or password.

(2) Proper identification to verify your identity.

(3) The appropriate information regarding the third party who is to receive the credit report or the duration of time for which the report will be accessible to credit report users.

The dissemination of your credit report must be authorized by a consumer credit reporting agency no later than three business days after the aforementioned information is received.

(2) You are entitled to receive one copy of your credit report each month for a period of up to 12 consecutive months, absolutely free of charge and upon request.

Colorado Consumer Rights Notice

A consumer reporting agency must comply with a consumer’s request to temporarily relieve a security freeze on a consumer report within three business days of receiving the request.

Consumers in the state are entitled to obtain a security freeze for their children or legal guardians.

Connecticut Consumer Rights Notice

This service may not be subject to a fee by the credit rating agency. The credit rating agency should be provided with any relevant information and copies of all documents that pertain to the error.

You have the right to request in writing that the information in your file not be disclosed to a third party for marketing purposes.

Delaware Consumer Rights Notice

The consumer reporting agency’s distinctive personal identification number or password.
A valid form of identification is required to confirm your identity.
The appropriate information regarding the duration of the report’s availability to credit report users.
A consumer reporting agency must comply with a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request. The consumer reporting agency is required to provisionally lift the freeze within 15 minutes of receiving the request by January 31, 2009.

You have the right to file a civil action against an individual who violates your rights under the credit reporting laws. A consumer reporting agency may be the target of the action.

District of Columbia Consumer Rights Notice

The credit reporting agency’s distinctive personal identification number or password.
Identification verification.
Details regarding the recipients of the credit report or the duration of its availability.

Florida Consumer Rights Notice

The password or personal identification number.
Valid identification to confirm your identity.
Details regarding the duration of the report’s availability.

The dissemination of your consumer report must be authorized by a consumer reporting agency no later than three business days after these details are received.

Georgia Consumer Rights Notice

To grant that authorization, you need to reach out to the consumer reporting agency and supply all of the following:

(1) The password or personal identification number.

(2) A valid form of identification to confirm your identity.

(3) The appropriate information regarding the duration of the report’s availability.

Indiana Consumer Rights Notice

Maryland Consumer Rights Notice

In order to temporarily remove the security restriction on your credit report, you must contact the consumer reporting agency and submit the following in order:

(1) The consumer reporting agency’s unique personal identification number or password;

(2) The appropriate identifying information to confirm your identity;

(3) The appropriate information regarding the recipient of the credit report or the duration of its availability to users.

Massachusetts Consumer Rights Notice

Missouri Consumer Rights Notice

Consumers in Missouri are entitled to request a security freeze.

The personal identification number or password;
Appropriate identification to confirm your identity;
The appropriate information regarding the duration of the report’s availability.

Montana Consumer Rights Notice

Consumers in Montana are entitled to request a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

(1) the consumer reporting agency’s unique personal identification number, password, or other device;

(2) the appropriate identification to confirm your identity;

(3) the appropriate information regarding the third party or parties who are to receive the credit report or the period of time for which the credit report is to be available to users;

(4) a fee, if applicable.

Nevada Consumer Rights Notice

You are entitled to impose a security freeze on your file, which will prevent a reporting agency from disclosing any information in your file without your explicit consent. A security lockdown must be requested in writing via certified mail. The security lockdown is intended to prevent a reporting agency from disclosing your consumer report without your authorization. You should be aware, however, that the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who is allowed access to the personal and financial information in your file. You will be assigned a personal identification number or password to use in the event that you elect to remove the security freeze from your file or to authorize the temporary release of your consumer report for a specific individual or period after the security freeze has been instituted. You must contact the reporting agency and provide the following information in order to provide that authorization:

Sufficient identification to verify your identity.

Your personal identification number or password provided by the reporting agency.

A reporting agency must remove the security freeze from your file or authorize the temporary release of your consumer report not later than 3 business days after receiving the above information.

New Hampshire Consumer Rights Notice

Consumers in New Hampshire are entitled to request a security freeze on a consumer credit report.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your consumer report. This includes: new loans, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transactions, or other services.

When your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a freeze does not apply.

If you are actively pursuing credit or services, it is advisable to plan ahead and lift a freeze, as a security freeze may impede your applications, as previously mentioned.

By contacting the consumer reporting agency and providing the following information, you can remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a specific third party:

(1) Your password or personal identification number.

(2) A valid form of identification to confirm your identity.

(3) Appropriate information regarding the duration of time for which you wish to make your report accessible to consumers or the third party with respect to whom you wish to relieve the freeze.

A consumer reporting agency is prohibited from imposing a fee for the purpose of freezing, removing, provisionally lifting, or lifting a freeze with respect to a specific third party.

New Jersey Consumer Rights Notice

Consumers in New Jersey are entitled to request a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

(i) The consumer reporting agency’s unique personal identification number or password;

(ii) Valid identification to confirm your identity;

(iii) The appropriate information regarding the third party or parties who are to receive the credit report or the duration of the report’s availability to credit report users.

A consumer reporting agency must respond to a consumer’s request to temporarily relieve a freeze on a credit report within three business days of receiving the request, as stipulated by regulation.

New Mexico Consumer Rights Notice

Consumers in New Mexico are entitled to submit a Declaration of Removal or obtain a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your credit report without your explicit authorization or consent.

(1) the consumer reporting agency’s unique personal identification number, password, or similar device;

(2) valid identification to confirm your identity;

(3) information regarding the third party or parties to receive the credit report or the duration of time for which the credit report may be released to users of the credit report;

(4) payment of a fee, if applicable.

New York Consumer Rights Notice

CONSUMERS IN NEW YORK ARE ENTITLED TO REQUEST A SECURIY FREEZE.

(1) THE PERSONAL IDENTIFICATION NUMBER OR PASSWORD;

(2) THE ADEQUATE IDENTIFICATION TO VERIFY YOUR IDENTITY;

(3) THE APPROPRIATE INFORMATION REGARDING THE PARTY OR PARTIES WHO ARE TO RECEIVE THE CREDIT REPORT OR THE PERIOD OF TIME FOR WHICH THE REPORT SHALL BE AVAILABLE TO USERS OF THE CREDIT REPORT.

North Carolina Consumer Rights Notice

Consumers in North Carolina are entitled to request a security freeze.

The security freeze is intended to prevent the approval of credit, financing, and services in your name without your consent. Nevertheless, it is important to be aware that the timely approval of any subsequent request or application you submit, including an extension of credit at the point of sale, may be delayed, interfered with, or prohibited by the use of a security freeze to control who has access to the personal and financial information in your credit report. This includes the following: new loans, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transactions, or other services.

When your existing creditor or its agents or affiliates request a copy of your report for certain types of account review, collection, fraud control, or similar activities, a freeze does not apply.

If you are actively pursuing credit or services, it is advisable to plan ahead and lift a freeze, as a security freeze may impede your applications, as previously mentioned.

By contacting the consumer reporting agency and providing the following information, you can remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a specific third party:

(1) Your personal identification number or password,

(2) Valid identification to confirm your identity,

(3) Information regarding the duration of time you wish for your report to be accessible to credit report users or the third party for which you wish to relieve the freeze.

(1) Your request is submitted electronically.

(2) You are over the age of 62.

North Dakota Consumer Rights Notice

Consumers in North Dakota are entitled to request a security freeze.

The security freeze will prevent a consumer reporting agency from disclosing any information in your consumer credit file without your explicit authorization or approval.

The consumer reporting agency’s password or personal identification number that is exclusive to the individual.
Valid identification to confirm your identity.
The appropriate information regarding the third party or parties that are to receive the credit report or the duration of time for which the report will be accessible to credit report users.

A consumer reporting agency must comply with a consumer’s request to temporarily rescind a freeze no later than three business days after receiving the request.

Ohio Consumer Rights Notice

Consumers in Ohio are entitled to request a security freeze.

a) Information that is generally deemed adequate to identify the consumer;
b) The unique personal identification number or password provided by the consumer credit reporting agency;
c) The appropriate information regarding the third party who is to receive the consumer credit report or the time period for which the credit report shall be available to users of the credit report.

A consumer credit reporting agency must concur with a consumer’s request to temporarily lift a security freeze on a credit report within fifteen minutes of receiving the request.

To request the removal of a security freeze on behalf of a protected consumer, the representative must contact the consumer credit reporting agency and submit the following:

(a) Adequate identification for both the protected consumer and the protected consumer’s representative;

(b) Adequate evidence of authority to act on behalf of the protected consumer.

Oklahoma Consumer Rights Notice

Consumers in Oklahoma are entitled to request a security freeze.

The personal identification number or password;
Valid identification to confirm your identity;
The appropriate information regarding the report’s availability;
Payment of the appropriate fee.