Placement of security freeze on protected consumer's credit report; requirements; record; days.

Sec. 21. (1) A consumer reporting agency shall place a security freeze on a protected consumer's credit report if all of the following are met: (a) The consumer reporting agency receives a request from the representative of the protected consumer for the placement of the security freeze. (b) The protected consumer's representative does all of the following: ( i ) Submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency. ( ii ) Provides to the consumer reporting agency sufficient proof of identification for the protected consumer and the representative. ( iii ) Provides to the consumer reporting agency his or her sufficient proof of authority. (2) If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under subsection (1), the consumer reporting agency shall create a record for the protected consumer. (3) Within 30 days after receiving a request that meets the requirements of subsection (1), a consumer reporting agency shall place a security freeze for the protected consumer. History: 2013, Act 229, Eff. Jan. 1, 2014; Am. 2018, Act 76, Eff. June 17, 2018