Wyoming § 40-12-503 Security freeze

Wyoming Statutes

§ 40-12-503 — Security freeze

Wyoming § 40-12-503

Title 40Trade and Commerce

Ch. 12CONSUMER PROTECTION

Art. 5CREDIT FREEZE REPORTS

This text of Wyoming § 40-12-503 (Security freeze) is published on Counsel Stack Legal Research, covering Wyoming primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Wyo. Stat. Ann. § 40-12-503 (2026).

Text

(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.