§ 51-33-03 — Response of consumer reporting agency

North Dakota § 51-33-03

• Jurisdiction: North Dakota
• Title 51: Sales and Exchanges
• Ch. 51-33: Consumer Credit Report Security Freezes

Text

1. A consumer reporting agency shall place a security freeze on a consumer's consumer
credit file no later than three business days after receiving from the consumer a
request under section 51-33-02 which includes proper identification. If a victim of
identity theft requests a security freeze, a consumer reporting agency shall place a
security freeze on the consumer's credit report no later than forty-eight hours after
receiving:
a. A notice under section 51-33-02; and
b. A copy of a valid police report, investigative report, or complaint to law
enforcement evidencing the identity theft victim has alleged being a victim of
identity theft. The copy may be transmitted to the consumer reporting agency by
mail, facsimile, or secure electronic mail connection, if the connection is made
available by the consumer reporting agency.
2. Effective August 1, 2009, if a victim of identity theft requests a security freeze, a
consumer reporting agency shall place a security freeze on the consumer's credit
report no later than twenty-four hours after receiving:
a. A notice under section 51-33-02; and

b. A copy of a valid police report, investigative report, or complaint to law
enforcement evidencing the identity theft victim has alleged being a victim of
identity theft. The copy may be transmitted to the consumer reporting agency by
mail, facsimile, or secure electronic mail connection, if the connection is made
available by the consumer reporting agency.
3. The consumer reporting agency, within five business days after receiving the request,
shall 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 authorization for the release of the consumer's
consumer report for a specific party or period of time.
4. When a consumer requests a security freeze, the consumer reporting agency shall
disclose the process of placing and temporarily lifting a freeze, including the process
for allowing access to information from the consumer's consumer report for a specific
party or period of time while the freeze is in place.