§ 40-12-504 — 40-12-504. Permanent removal or temporary lift of security freeze; requirements and timing

Wyoming § 40-12-504

• Jurisdiction: Wyoming
• Title 40: Trade and Commerce
• Ch. 12: CONSUMER PROTECTION
• Art. 5: CREDIT FREEZE REPORTS

Text

(a) A consumer reporting agency may remove a security
freeze from a consumer's credit report only if:
(i) The consumer makes a material misrepresentation
of fact in connection with the placement of the security freeze
and the consumer reporting agency notifies the consumer in
writing before removing the security freeze; or
(ii) The consumer reporting agency receives the
consumer's request through a contact method established and
required in accordance with W.S. 40-12-503(f) and the consumer
reporting agency receives the consumer's proper identification
and other information sufficient to identify the consumer
including the consumer's personal identification number or
password.
(b) A consumer reporting agency shall temporarily lift a
security freeze upon receipt of:
(i) The consumer's request through the contact method
established by the consumer reporting agency;
(ii) The consumer's proper identification and other
information sufficient to identify the consumer including the
consumer's personal identification number or password;
(iii) A specific designation of the period of time
for which the security freeze is to be lifted; and
(iv) The consumer reporting agency receives the
payment of any fee required under W.S. 40-12-506.
(c) A consumer reporting agency shall temporarily lift a
security freeze from a consumer's credit report within:
(i) Three (3) business days after the business day on
which the consumer's request to temporarily lift the security
freeze is received by the consumer reporting agency through the
contact method developed by the consumer reporting agency as
required under W.S. 40-15-503(f); or
(ii) On or after September 1, 2008, within fifteen
(15) minutes after the consumer's request is received by the
consumer reporting agency through the electronic contact method
developed by the consumer reporting agency as required under
W.S. 40-12-503(f) or the use of telephone, during normal
business hours and includes the consumer's proper identification
and correct personal identification number or password.
(d) A consumer reporting agency shall permanently remove a
security freeze from a consumer's credit report within three (3)
business days after the business day on which the consumer's
request is received by the consumer reporting agency through the
contact method developed by the agency to receive such requests
as required under W.S. 40-12-503(f).
(e) A consumer reporting agency need not temporarily lift
a security freeze within the time provided in subsection (c) of
this section if:
(i) The consumer fails to meet the requirements of
subsection (b) of this section; or
(ii) The consumer reporting agency's ability to
temporarily lift the security freeze within fifteen (15) minutes
is prevented by:
(A) An act of God, including fire, earthquakes,
hurricanes, storms or similar natural disaster or phenomena;
(B) Unauthorized or illegal acts by a third
party, including terrorism, sabotage, riot, vandalism, labor
strikes or disputes disrupting operations or similar occurrence;
(C) Operational interruption, including
electrical failure, unanticipated delay in equipment or
replacement part delivery, computer hardware or software
failures inhibiting response time or similar disruption;
(D) Governmental action, including emergency
orders or regulations, judicial or law enforcement action or
similar directives;
(E) Regularly scheduled maintenance, during
other than normal business hours, of, or updates to, the
consumer reporting agency's systems;
(F) Commercially reasonable maintenance of, or
repair to, the consumer reporting agency's systems that is
unexpected or unscheduled; or
(G) Receipt of a removal request outside of
normal business hours.