§ 51-31-03 — Extended fraud alerts

Upon the direct request of a consumer or an individual acting on behalf of or as a personal
representative of a consumer, who asserts in good faith a suspicion that the consumer has been
or is about to become a victim of fraud or related crime, including identity theft, a consumer
reporting agency that maintains a file on the consumer and has received appropriate proof of
the identity of the requester shall:
1. Include a fraud alert in the file of that consumer and continue that alert along with any
credit score generated in using that file, during the seven-year period beginning on the
date of the request, unless the consumer or the consumer's representative requests
that the fraud alert be removed before the end of that period and the agency has
received appropriate proof of the identity of the requester for that purpose; and
2. During the five-year period beginning on the date of the request, exclude the
consumer from any list of consumers prepared by the consumer reporting agency and
provided to any third party to offer credit or insurance to the consumer as part of a
transaction that was not initiated by the consumer, unless the consumer or the
consumer's representative requests that the exclusion be rescinded before the end of
that period.