SB 1942

Abstract

Creates the Credit Report Protection Act. Provides that a consumer may place a security alert in his or her credit report by making a request to a consumer credit reporting agency. Provides that a consumer credit reporting agency shall notify each person requesting consumer credit information, with respect to a consumer, of the existence of a security alert in the credit report of that consumer. Provides that a consumer may place a security freeze on his or her credit report by making a request to a consumer credit reporting agency. Provides that if a security alert or security freeze is in place, a consumer credit reporting agency shall not modify certain information in a consumer credit report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the consumer's file. Provides that a consumer credit reporting agency may charge a reasonable fee to a consumer that elects to freeze, remove the freeze, or temporarily lift the freeze, except that a consumer credit reporting agency shall not charge a fee to a victim of identity theft that has submitted a valid police report. Provides that a consumer credit reporting agency shall supply files and credit report information to a consumer during normal business hours and on reasonable notice, subject to certain conditions. Provides certain exemptions.