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Ch. 308
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2007 Laws of Maryland
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(III) A SECOND OR SUBSEQUENT REQUEST TO REMOVE
PERMANENTLY A SECURITY FREEZE.
(4)(3) A NOTWITHSTANDING PARAGRAPH (2) OF THIS
SUBSECTION, A CONSUMER REPORTING AGENCY MAY NOT CHARGE ANY FEE
UNDER THIS SECTION TO A CONSUMER WHO:
(I) HAS OBTAINED A REPORT OF ALLEGED IDENTITY
FRAUD AGAINST THE CONSUMER UNDER § 8-304 OF THE CRIMINAL LAW
ARTICLE OR AN IDENTITY THEFT PASSPORT UNDER § 8-305 OF THE CRIMINAL
LAW ARTICLE; AND
(II) PROVIDES A COPY OF THE REPORT OR PASSPORT TO
THE CONSUMER REPORTING AGENCY.
(J) AT ANY TIME THAT A CONSUMER IS ENTITLED TO RECEIVE A
SUMMARY OF RIGHTS UNDER § 609 OF THE FEDERAL FAIR CREDIT REPORTING
ACT OR § 14-1206 OF THIS SUBTITLE, THE FOLLOWING NOTICE SHALL BE
INCLUDED:
"NOTICE
YOU HAVE A RIGHT, UNDER § 14-1202.1 § 14-1212.1 OF THE
COMMERCIAL LAW ARTICLE OF THE ANNOTATED CODE OF MARYLAND, TO
PLACE A SECURITY FREEZE ON YOUR CREDIT REPORT AT NO CHARGE TO YOU.
THE SECURITY FREEZE WILL PROHIBIT A CONSUMER REPORTING AGENCY
FROM RELEASING YOUR CREDIT REPORT OR ANY INFORMATION IN DERIVED
FROM YOUR CREDIT REPORT WITHOUT YOUR EXPRESS AUTHORIZATION. THE
PURPOSE OF A SECURITY FREEZE IS TO PREVENT CREDIT, LOANS, AND
SERVICES FROM BEING APPROVED IN YOUR NAME WITHOUT YOUR CONSENT.
YOU MAY ELECT TO HAVE A CONSUMER REPORTING AGENCY PLACE A
SECURITY FREEZE ON YOUR CREDIT REPORT BY WRITTEN REQUEST SENT BY
CERTIFIED MAIL, BY TELEPHONE, OR BY ELECTRONIC MAIL OR THE INTERNET
IF THE CONSUMER REPORTING AGENCY PROVIDES A SECURE ELECTRONIC
CONNECTION. THE CONSUMER REPORTING AGENCY MUST PLACE A SECURITY
FREEZE ON YOUR CREDIT REPORT WITHIN 5 BUSINESS DAYS AFTER YOUR
REQUEST IS RECEIVED, OR WITHIN 3 BUSINESS DAYS STARTING JULY 1, 2008.
WITHIN 5 BUSINESS DAYS AFTER A SECURITY FREEZE IS PLACED ON YOUR
CREDIT REPORT, YOU WILL BE PROVIDED WITH A UNIQUE PERSONAL
IDENTIFICATION NUMBER OR PASSWORD TO USE IF YOU WANT TO REMOVE THE
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- 1990 -
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