North Dakota § 51-33-13 Private enforcement

North Dakota Statutes

§ 51-33-13 — Private enforcement

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

1.If a consumer reporting agency erroneously releases a consumer's credit file or any information derived from the file, the consumer reporting agency shall send written notification to the affected consumer within five business days following discovery or notification of the erroneous release, including specificity as to the information released and the third-party recipient of the information. In addition, the affected consumer in a civil action against the consumer reporting agency may recover:

a.Injunctive relief to prevent or restrain further violation of the security freeze;

b.The greater of actual damages or two thousand dollars in civil penalties for each violation; and

c.Reasonable expenses, court costs, investigative costs, and attorney's fees.

2.Each violation of the secur

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1. If a consumer reporting agency erroneously releases a consumer's credit file or any
information derived from the file, the consumer reporting agency shall send written
notification to the affected consumer within five business days following discovery or
notification of the erroneous release, including specificity as to the information
released and the third-party recipient of the information. In addition, the affected
consumer in a civil action against the consumer reporting agency may recover:
a. Injunctive relief to prevent or restrain further violation of the security freeze;

b. The greater of actual damages or two thousand dollars in civil penalties for each
violation; and
c. Reasonable expenses, court costs, investigative costs, and attorney's fees.
2. Each violation of the security freeze shall be counted as a separate incident for
purposes of imposing penalties under this section.

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