Definition[]
A consumer report security freeze
“ | limits a consumer reporting agency from releasing a credit report or any information from the report without authorization from the consumer. If a person suspects that he or she has been victimized by identity theft, a consumer report security freeze can help the person track whether an identity thief is using the person's information to set up bogus accounts.[1] | ” |
Overview[]
"A security freeze law allows a customer to block unauthorized third parties from obtaining his or her credit report or score. A consumer who places a security freeze on his or her credit report or score receives a personal identification number to gain access to credit information or to authorize the dissemination of credit information."[2]
References[]
- ↑ National Conference of State Legislatures, Consumer Report Security Freeze State Laws (full-text).
- ↑ Data Security Breaches: Context and Incident Summaries, at 3.