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Ch. 308
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2007 Laws of Maryland
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(5) (I) SUBJECT TO SUBPARAGRAPH (II) OF THIS PARAGRAPH,
A CONSUMER REPORTING AGENCY IS NOT REQUIRED TO PLACE A SECURITY
FREEZE ON A CONSUMER REPORT IF THE CONSUMER REPORTING AGENCY;
1. ACTS ONLY AS A RESELLER OF CREDIT
INFORMATION BY ASSEMBLING AND MERGING INFORMATION CONTAINED IN A
DATABASE OF ANOTHER CONSUMER REPORTING AGENCY OR MULTIPLE
CONSUMER REPORTING AGENCIES; AND
2. DOES NOT MAINTAIN A PERMANENT DATABASE OF
CREDIT INFORMATION FROM WHICH NEW CONSUMER REPORTS ARE PRODUCED.
(II) A CONSUMER REPORTING AGENCY THAT ACTS AS A
RESELLER OF CREDIT INFORMATION SHALL HONOR A SECURITY FREEZE PLACED
ON A CONSUMER REPORT BY ANOTHER CONSUMER REPORTING AGENCY.
(5) (6) (I) IF A CONSUMER REQUESTS PLACEMENT OF A SECURITY
FREEZE BY TELEPHONE UNDER PARAGRAPH (1)(II) OF THIS SUBSECTION, THE
CONSUMER REPORTING AGENCY MAY REQUIRE THE CONSUMER TO CONFIRM
THE REQUEST IN WRITING ON A FORM THAT THE CONSUMER REPORTING
AGENCY PROVIDES TO THE CONSUMER WITH THE MATERIALS SENT IN
ACCORDANCE WITH PARAGRAPH (4) OF THIS SUBSECTION.
(II) IF THE CONSUMER FAILS TO RETURN WRITTEN
CONFIRMATION THAT THE CONSUMER REPORTING AGENCY REQUIRES UNDER
SUBPARAGRAPH (I) OF THIS PARAGRAPH, THE CONSUMER REPORTING AGENCY
MAY REMOVE THE SECURITY FREEZE IN ACCORDANCE WITH SUBSECTION (G)(2)
OF THIS SECTION.
(D) (1) WHILE A SECURITY FREEZE IS IN PLACE, A CONSUMER
REPORTING AGENCY MAY NOT PROVIDE RELEASE A CONSUMER'S CONSUMER
REPORT OR ANY INFORMATION IN DERIVED FROM A CONSUMER'S CONSUMER
REPORT WITHOUT THE EXPRESS PRIOR AUTHORIZATION OF THE CONSUMER.
(2) A CONSUMER REPORTING AGENCY MAY ADVISE A PERSON
THAT A SECURITY FREEZE IS IN EFFECT WITH RESPECT TO A CONSUMER'S
CONSUMER REPORT.
(3) A CONSUMER REPORTING AGENCY MAY NOT STATE OR IMPLY
TO ANY PERSON THAT A SECURITY FREEZE ON A CONSUMER'S CONSUMER
REPORT REFLECTS A NEGATIVE CREDIT SCORE, CREDIT HISTORY, OR CREDIT
RATING.
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- 1984 -
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