113 
identity theft report you have filed 
with a law enforcement agency about 
unlawful use of your personal infor-
mation by another person. 
‘‘ ‘The security freeze will prohibit 
a credit reporting agency from releas-
ing any information in your consumer 
credit report without your express au-
thorization. A security freeze must be 
requested in writing by certified mail. 
‘‘ ‘The security freeze is designed to 
prevent credit, loans, and services 
from being approved in your name 
without your consent. However, you 
should be aware that using a security 
freeze to take control over who gains 
access to the personal and financial 
information in your consumer credit 
report may delay, interfere with, or 
prohibit the timely approval of any 
subsequent request or application you 
make regarding new loans, credit, 
mortgage, 
insurance, 
government 
services or payments, rental housing, 
employment, investment, license, cel-
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114 
lular phone, utilities, digital signa-
ture, internet credit card transaction, 
or other services, including an exten-
sion of credit at point of sale. 
‘‘ ‘When you place a security freeze 
on your consumer credit report, with-
in 10 business days you will be pro-
vided a personal identification num-
ber or password to use if you choose to 
remove the freeze on your consumer 
credit report or authorize the release 
of your consumer credit report for a 
specific party, parties or period of 
time after the freeze is in place. 
‘‘ ‘To provide that authorization, 
you must contact the consumer report-
ing agency and provide all of the fol-
lowing: (1) The unique personal iden-
tification number or password pro-
vided by the consumer reporting agen-
cy (2) Proper identification to verify 
your identity (3) The proper informa-
tion regarding the third party or par-
ties who are trying to receive the con-
sumer credit report or the period of 
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115 
time for which the report shall be 
available to users of the consumer re-
port. 
‘‘ ‘A consumer reporting agency 
that receives a request from a con-
sumer to lift temporarily a freeze on a 
consumer credit report shall comply 
with the request no later than 3 days 
after receiving the request. 
‘‘ ‘A security freeze does not apply 
to a person or entity, or its affiliates, 
or collection agencies acting on behalf 
of the person or entity with which you 
have an existing account that requests 
information in your consumer credit 
report for the purposes of reviewing or 
collecting the account, if you have 
previously given your consent to this 
use of your consumer credit report. 
Reviewing the account includes activi-
ties related to account maintenance, 
monitoring, credit line increases, and 
account up-grades and enhancements. 
‘‘ ‘If you are actively seeking cred-
it, you should understand that the 
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