Sec. 20.034. REQUESTING SECURITY FREEZE. (a) On written request sent by certified mail that includes proper identification provided by a consumer, a consumer reporting agency shall place a security freeze on a consumer's consumer file not later than the fifth business day after the date the agency receives the request.
(b) On written request for a security freeze provided by a consumer under Subsection (a), a consumer reporting agency shall disclose to the consumer the process of placing, removing, and temporarily lifting a security freeze and the process for allowing access to information from the consumer's consumer file for a specific requester or period while the security freeze is in effect.
(c) A consumer reporting agency shall, not later than the 10th business day after the date the agency receives the request for a security freeze:
(1) send a written confirmation of the security freeze to the consumer; and
(2) provide the consumer with a unique personal identification number or password to be used by the consumer to authorize a removal or temporary lifting of the security freeze under Section 20.037.
(d) A consumer may request in writing a replacement personal identification number or password. The request must comply with the requirements for requesting a security freeze under Subsection (a). The consumer reporting agency shall not later than the third business day after the date the agency receives the request for a replacement personal identification number or password provide the consumer with a new unique personal identification number or password to be used by the consumer instead of the number or password that was provided under Subsection (c).
Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.
Amended by:
Acts 2007, 80th Leg., R.S., Ch. 1143 (S.B. 222), Sec. 1, eff. September 1, 2007.
Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.
Structure Texas Statutes
Title 2 - Competition and Trade Practices
Chapter 20 - Regulation of Consumer Credit Reporting Agencies
Subchapter B. Security Alert and Security Freeze
Section 20.031. Requesting Security Alert
Section 20.032. Notification of Security Alert
Section 20.033. Toll-Free Security Alert Request Number
Section 20.034. Requesting Security Freeze
Section 20.035. Notification of Change
Section 20.036. Notification of Security Freeze
Section 20.037. Removal or Temporary Lifting of Security Freeze
Section 20.038. Exemption From Security Freeze
Section 20.0385. Applicability of Security Alert and Security Freeze