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Consumer report security freeze

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Definition Edit

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 Edit

"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 Edit

  1. National Conference of State Legislatures, Consumer Report Security Freeze State Laws (full-text).
  2. Data Security Breaches: Context and Incident Summaries, at 3.

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