(a)Except as provided in W.S. 40-12-505, a consumer may
place a security freeze on the consumer's credit report by:
(i)Making a request to a consumer reporting agency
in writing by certified mail; and
(ii)Providing proper identification.
(b)If a security freeze is in place, a consumer reporting
agency may not release a consumer's credit report or information
derived from the credit report to a third party that intends to
use the information to determine a consumer's eligibility for
credit or the opening of a new account without prior
authorization from the consumer.
(c)Notwithstanding subsection (b) of this section, a
consumer reporting agency may communicate to a third party
requesting a consumer's credit report that a security freeze is
in effect on the consumer's credit report. If
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(a) Except as provided in W.S. 40-12-505, a consumer may
place a security freeze on the consumer's credit report by:
(i) Making a request to a consumer reporting agency
in writing by certified mail; and
(ii) Providing proper identification.
(b) If a security freeze is in place, a consumer reporting
agency may not release a consumer's credit report or information
derived from the credit report to a third party that intends to
use the information to determine a consumer's eligibility for
credit or the opening of a new account without prior
authorization from the consumer.
(c) Notwithstanding subsection (b) of this section, a
consumer reporting agency may communicate to a third party
requesting a consumer's credit report that a security freeze is
in effect on the consumer's credit report. If a third party
requesting a consumer's credit report in connection with the
consumer's application for credit is notified of the existence
of a security freeze under this subsection, the third party may
treat the consumer's application as incomplete.
(d) Upon receiving a request from a consumer under
subsection (a) of this section, the consumer reporting agency
shall:
(i) Place a security freeze on the consumer's credit
report within five (5) business days after receiving the
consumer's request;
(ii) Send a written confirmation of the security
freeze to the consumer within ten (10) business days after
placing the security freeze; and
(iii) Provide the consumer with a unique personal
identification number or password to be used by the consumer
when providing authorizations for removal or temporary lift of
the security freeze.
(e) A consumer reporting agency shall require proper
identification of the consumer requesting to place, remove, or
temporarily lift a security freeze.
(f) A consumer reporting agency shall develop a contact
method to receive and process a consumer's request to place,
remove or temporarily lift a security freeze. The contact
method shall include:
(i) A postal address;
(ii) An electronic contact method chosen by the
consumer reporting agency, which may include the use of fax,
Internet or other electronic means; and
(iii) The use of telephone in a manner that is
consistent with any federal requirements placed on the consumer
reporting agency.
(g) A security freeze placed under this section may be
removed or temporarily lifted only in accordance with W.S.