The placement of a security freeze on a
consumer's consumer report does not prohibit a consumer reporting
agency from providing the consumer's consumer report to the following
persons without the authorization of the consumer:
(1)A person, including a subsidiary, an affiliate, an agent, an
assignee of a financial obligation owed by the consumer to the
person, or a prospective assignee of a financial obligation owed
by the consumer to the person in connection with the proposed
purchase of the financial obligation, to whom the consumer owes
a financial obligation in connection with any of the following:
(A)An account, including a demand deposit account, that the
consumer has with the person, for the purpose of:
(i)reviewing the account, including activities related to
account maintenance,
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The placement of a security freeze on a
consumer's consumer report does not prohibit a consumer reporting
agency from providing the consumer's consumer report to the following
persons without the authorization of the consumer:
(1) A person, including a subsidiary, an affiliate, an agent, an
assignee of a financial obligation owed by the consumer to the
person, or a prospective assignee of a financial obligation owed
by the consumer to the person in connection with the proposed
purchase of the financial obligation, to whom the consumer owes
a financial obligation in connection with any of the following:
(A) An account, including a demand deposit account, that the
consumer has with the person, for the purpose of:
(i) reviewing the account, including activities related to
account maintenance, monitoring, credit line increases, and
account upgrades and enhancements; or
(ii) collecting the obligation owed in connection with the
account.
(B) A contract, for the purpose of collecting the obligation
owed in connection with the contract.
(C) A negotiable instrument that the consumer has issued to the
person, for the purpose of collecting the obligation owed in
connection with the negotiable instrument.
(2) A person, including a subsidiary, an affiliate, an agent, or an
assignee of a financial obligation owed by the consumer to the
person, to whom the consumer has authorized the release of the
consumer's consumer report under section 7(a)(1) of this chapter,
for the purpose of facilitating the extension of credit or for any
permissible purpose under subdivision (1).
(3) A law enforcement agency.
(4) Any person for the purpose of prescreening, as provided in the
federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.).
(5) Any person administering a credit monitoring subscription
service to which the consumer has subscribed.
(6) The consumer, upon the consumer's request, or any other
person for the purpose of providing the consumer with a copy of
the consumer's consumer report, upon the consumer's request.
(7) Any of the following that provides services to a consumer:
(A) An insurer licensed under IC 27.
(B) An insurance producer licensed under IC 27.
(C) An agent, a vendor, or an employee of:
(i) an insurer licensed under IC 27; or
(ii) an insurance producer licensed under IC 27;
while acting on behalf of the insurer or the insurance producer.