This text of Idaho § 28-52-103 (SECURITY FREEZE) is published on Counsel Stack Legal Research, covering Idaho primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.
(1)A consumer may place a security freeze on the consumer’s credit report by:
(a)Making a request to a consumer reporting agency in writing by regular or certified mail at an address designated by the consumer reporting agency to receive the request;
(b)Providing proper identification; and
(c)Paying the fee required by the consumer reporting agency in accordance with section 28-52-106, Idaho Code.
(2)Upon receiving a request from a consumer under subsection (1) of this section, the consumer reporting agency shall:
(a)Place a security freeze on the consumer’s credit report within three (3) business days after receiving the consumer’s request; and
(b)Within five (5) business days after placing the security freeze, send a written confirmation of the security freeze to the consumer and
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(1) A consumer may place a security freeze on the consumer’s credit report by:
(a) Making a request to a consumer reporting agency in writing by regular or certified mail at an address designated by the consumer reporting agency to receive the request;
(b) Providing proper identification; and
(c) Paying the fee required by the consumer reporting agency in accordance with section 28-52-106, Idaho Code.
(2) Upon receiving a request from a consumer under subsection (1) of this section, the consumer reporting agency shall:
(a) Place a security freeze on the consumer’s credit report within three (3) business days after receiving the consumer’s request; and
(b) Within five (5) business days after placing the security freeze, send a written confirmation of the security freeze to the consumer and provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorizations for removal or temporary lifts of the security freeze under section 28-52-104, Idaho Code.
(3) If a security freeze is in place, a consumer reporting agency may not release a consumer’s credit report, or information from the credit report, to a third party that intends to use the information to determine a consumer’s eligibility for credit without prior authorization from the consumer.
(4) Notwithstanding subsection (3) of this section, a consumer reporting agency may communicate to a third party requesting a consumer’s credit report that a security freeze is in effect on the consumer’s credit report. If a third party requesting a consumer’s credit report in connection with the consumer’s application for credit is notified of the existence of a security freeze under this section, the third party may treat the consumer’s application as incomplete.
(5) A consumer reporting agency shall require proper identification of the consumer requesting to place, remove or temporarily remove a security freeze.
(6) A consumer reporting agency shall develop a contact method to receive and process a consumer’s request to permanently remove or temporarily lift a security freeze. The contact method may include: a postal address; an electronic contact method chosen by the consumer reporting agency, which may include the use of fax, internet or other electronic means; or the use of telephone in a manner that is consistent with any federal requirements placed on the consumer reporting agency. By no later than September 1, 2008, a consumer reporting agency shall develop a secure electronic means for a consumer to request the temporary lift of a security freeze.
(7) A security freeze placed under this section may be removed only in accordance with section 28-52-104, Idaho Code.