Utah § 13-45-505 Removal of security freeze for protected consumer.

Utah Statutes

§ 13-45-505 — Removal of security freeze for protected consumer.

Utah § 13-45-505

Title 13Commerce and Trade

Ch. 13-45Consumer Credit Protection Act

Part 13-45-5Credit Report Protection for Minors

This text of Utah § 13-45-505 (Removal of security freeze for protected consumer.) is published on Counsel Stack Legal Research, covering Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Utah Code Ann. § 13-45-505 (2026).

Text

(1)To remove a security freeze that is placed under this part, the protected consumer's representative or the consumer who is subject to a protected consumer security freeze shall:

(1)(a) submit a request for the removal of the security freeze to the consumer reporting agency:

(1)(a)(i) at the address or other point of contact provided by the consumer reporting agency; and

(1)(a)(ii) in the manner specified by the consumer reporting agency;

(1)(b) provide to the consumer reporting agency:

(1)(b)(i) in the case of a request by a protected consumer's representative:

(1)(b)(i)(A) sufficient proof of identification of the protected consumer;

(1)(b)(i)(B) sufficient proof of identification of the protected consumer's representative; and

(1)(b)(i)(C) sufficient proof of authority to act on be

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(1) To remove a security freeze that is placed under this part, the protected consumer's representative or the consumer who is subject to a protected consumer security freeze shall:

(1)(a) submit a request for the removal of the security freeze to the consumer reporting agency:
(1)(a)(i) at the address or other point of contact provided by the consumer reporting agency; and
(1)(a)(ii) in the manner specified by the consumer reporting agency;
(1)(b) provide to the consumer reporting agency:
(1)(b)(i) in the case of a request by a protected consumer's representative:

(1)(b)(i)(A) sufficient proof of identification of the protected consumer;
(1)(b)(i)(B) sufficient proof of identification of the protected consumer's representative; and
(1)(b)(i)(C) sufficient proof of authority to act on behalf of the protected consumer; or
(1)(b)(ii) in the case of a request by the consumer who is subject to a protected consumer security freeze:

(1)(b)(ii)(A) sufficient proof of identification of the consumer who is subject to a protected consumer security freeze; and
(1)(b)(ii)(B) proof that the consumer who is subject to a protected consumer security freeze is not a protected consumer; and
(1)(c) if applicable, pay the consumer reporting agency a fee described in Subsection 13-45-506(2).
(2) Within 30 days after the day on which a consumer reporting agency receives a request under Subsection (1), the consumer reporting agency shall remove the security freeze.
(3) A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protected consumer's representative.