This text of Iowa § 714G.8A (Protected consumer security freeze) is published on Counsel Stack Legal Research, covering Iowa primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.
1.A consumer reporting agency shall implement a protected consumer security freeze
for a protected consumer if the consumer reporting agency receives a request from the
protected consumer’s representative for the placement of the protected consumer security
freeze pursuant to this section and the protected consumer’s representative complies with
all of the following:
a.Submits the request to the consumer reporting agency at the address or other point of
contact and in the manner specified by the consumer reporting agency.
b.Provides sufficient proof of identification of the protected consumer and proof of the
identity of the representative.
c.Provides sufficient proof of authority to act on behalf of the protected consumer.
2.
a.A protected consumer security freeze requested pursuant
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1. A consumer reporting agency shall implement a protected consumer security freeze
for a protected consumer if the consumer reporting agency receives a request from the
protected consumer’s representative for the placement of the protected consumer security
freeze pursuant to this section and the protected consumer’s representative complies with
all of the following:
a. Submits the request to the consumer reporting agency at the address or other point of
contact and in the manner specified by the consumer reporting agency.
b. Provides sufficient proof of identification of the protected consumer and proof of the
identity of the representative.
c. Provides sufficient proof of authority to act on behalf of the protected consumer.
2. a. A protected consumer security freeze requested pursuant to subsection 1 shall
commence within thirty days after the request is received. If a consumer reporting agency
does not have a file pertaining to a protected consumer when the consumer reporting agency
receives the request, the consumer reporting agency shall create a record for the protected
consumer within thirty days after the request is received.
b. While a protected consumer security freeze is in effect, a consumer reporting agency
5 CONSUMER CREDIT SECURITY, §714G.11
shall not release the protected consumer’s consumer credit report, any information derived
from the protected consumer’s consumer credit report, or any information contained in the
record created for the protected consumer. The protected consumer security freeze shall
remain in effect until the protected consumer or the protected consumer’s representative
requests the consumer reporting agency to remove the protected consumer security freeze
pursuant to subsection 3, or the consumer reporting agency removes the protected consumer
security freeze pursuant to subsection 6.
3. A consumer reporting agency shall remove a protected consumer security freeze if the
consumer reporting agency receives a request from the protected consumer or the protected
consumer’s representative to remove the protected consumer’s security freeze that complies
with all of the following:
a. Therequestissubmittedtotheconsumerreportingagencyattheaddressorotherpoint
of contact and in the manner specified by the consumer reporting agency.
b. In the case of a request by a protected consumer, the request includes proof that
previouslysubmittedsufficientproofofauthorityfortheprotectedconsumer’srepresentative
to act on behalf of the protected consumer is no longer valid, and sufficient proof of
identification of the protected consumer.
c. In the case of a request by the representative of a protected consumer, the request
includes sufficient proof of identification of the protected consumer, proof of the identity of
therepresentative,andsufficientproofofauthoritytoactonbehalfoftheprotectedconsumer.
4. A protected consumer security freeze shall be removed by the consumer reporting
agency within thirty days after the request for removal pursuant to subsection 3 is received
by the consumer reporting agency.
5. A consumer reporting agency shall not charge a fee for the placement, removal, or
reinstatement of a protected consumer security freeze. A consumer reporting agency may
not charge any other fee for a service performed pursuant to this section.
6. A consumer reporting agency may remove a protected consumer security freeze
for a protected consumer or delete a record of a protected consumer if the protected
consumer security freeze was commenced or the record was created based on a material
misrepresentation of fact by the protected consumer or the protected consumer’s
representative.
7. The provisions of sections 714G.8, 714G.10, and 714G.11 shall be applicable to a
protected consumer security freeze.