Montana § 30-14-1728 Consumer Reporting Agency Requirements

Montana Statutes

§ 30-14-1728 — Consumer Reporting Agency Requirements

Montana § 30-14-1728

Title 30TRADE AND COMMERCE

Ch. 14UNFAIR TRADE PRACTICES AND CONSUMER PROTECTION

Part 17Impediment of Identity Theft

This text of Montana § 30-14-1728 (Consumer Reporting Agency Requirements) is published on Counsel Stack Legal Research, covering Montana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Mont. Code Ann. § 30-14-1728 (2026).

Text

30-14-1728 . Consumer reporting agency requirements.

(1)Except as provided in subsection (2), a consumer reporting agency shall place a security freeze on a consumer's credit report no later than 5 business days after receiving from the consumer:

(a)a written or electronic request, as provided in 30-14-1727 ;

(b)proper identification; and

(c)a fee, if applicable.

(2)If a consumer who has been the victim of identity theft, as prescribed by 45-6-332 , requests a security freeze, the consumer reporting agency shall place a security freeze on the consumer's credit report no later than 24 hours after receiving notice as provided in 30-14-1727 and a valid police report, investigative report, or complaint that the consumer has filed with a law enforcement agency.

(3)The consumer reporting a

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30-14-1728 . Consumer reporting agency requirements. (1) Except as provided in subsection (2), a consumer reporting agency shall place a security freeze on a consumer's credit report no later than 5 business days after receiving from the consumer:
(a) a written or electronic request, as provided in 30-14-1727 ;
(b) proper identification; and
(c) a fee, if applicable.
(2) If a consumer who has been the victim of identity theft, as prescribed by 45-6-332 , requests a security freeze, the consumer reporting agency shall place a security freeze on the consumer's credit report no later than 24 hours after receiving notice as provided in 30-14-1727 and a valid police report, investigative report, or complaint that the consumer has filed with a law enforcement agency.
(3) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 5 business days of placing the security freeze and at the same time shall provide the consumer with a unique personal identification number, password, or similar device to be used by the consumer when providing authorization for a release of the consumer's credit for a specific party or period of time, as provided in 30-14-1729 .
(4) A consumer reporting agency may not suggest or otherwise state or imply to a third party that the consumer's security freeze reflects a negative credit score, history, report, or rating.