714G.8A Protected consumer security freeze. 1. A consumer reporting agency shall implement a protected consumer security freeze for a protected consumer if the consumer reporting agency receives a request from theprotected consumer’s representative for the placement of the protected consumer securityfreeze pursuant to this section and the protected consumer’s representative complies withall of the following: a. Submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency. b. Provides sufficient proof of identification of the protected consumer and proof of the identity of the representative. c. Provides sufficient proof of authority to act on behalf of the protected consumer.2. a. A protected consumer security freeze requested pursuant to subsection 1 shall commence within thirty days after the request is received. If a consumer reporting agencydoes not have a file pertaining to a protected consumer when the consumer reporting agencyreceives the request, the consumer reporting agency shall create a record for the protectedconsumer within thirty days after the request is received. b. ted consumer when the consumer reporting agencyreceives the request, the consumer reporting agency shall create a record for the protectedconsumer within thirty days after the request is received. b. While a protected consumer security freeze is in effect, a consumer reporting agency shall not release the protected consumer’s consumer credit report, any information derivedfrom the protected consumer’s consumer credit report, or any information contained in therecord created for the protected consumer. The protected consumer security freeze shallremain in effect until the protected consumer or the protected consumer’s representativerequests the consumer reporting agency to remove the protected consumer security freezepursuant to subsection 3, or the consumer reporting agency removes the protected consumersecurity freeze pursuant to subsection 6. 3. A consumer reporting agency shall remove a protected consumer security freeze if the consumer reporting agency receives a request from the protected consumer or the protectedconsumer’s representative to remove the protected consumer’s security freeze that complieswith all of the following: a. reporting agency receives a request from the protected consumer or the protectedconsumer’s representative to remove the protected consumer’s security freeze that complieswith all of the following: a. The request is submitted to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency. b. In the case of a request by a protected consumer, the request includes proof that previously submitted sufficient proof of authority for the protected consumer’s representativeto act on behalf of the protected consumer is no longer valid, and sufficient proof ofidentification of the protected consumer. c. In the case of a request by the representative of a protected consumer, the request includes sufficient proof of identification of the protected consumer, proof of the identity ofthe representative, and sufficient proof of authority to act on behalf of the protected consumer. 4. A protected consumer security freeze shall be removed by the consumer reporting agency within thirty days after the request for removal pursuant to subsection 3 is receivedby the consumer reporting agency. 5. ed consumer security freeze shall be removed by the consumer reporting agency within thirty days after the request for removal pursuant to subsection 3 is receivedby the consumer reporting agency. 5. A consumer reporting agency shall not charge a fee for the placement, removal, or reinstatement of a protected consumer security freeze. A consumer reporting agency maynot charge any other fee for a service performed pursuant to this section. 6. A consumer reporting agency may remove a protected consumer security freeze for a protected consumer or delete a record of a protected consumer if the protectedconsumer security freeze was commenced or the record was created based on a materialmisrepresentation of fact by the protected consumer or the protected consumer’srepresentative. 7. The provisions of sections 714G.8, 714G.10, and 714G.11 shall be applicable to a protected consumer security freeze. 2014 Acts, ch 1041, §5, 6; 2018 Acts, ch 1091, §5 – 7Referred to in §714G.1 Sat Dec 23 12:29:57 2023 Iowa Code 2024, Section 714G.8A (14, 0)
Iowa Legal Code