Source: https://law.lis.virginia.gov/vacodefull/title59.1/chapter35.1/
Timestamp: 2019-09-19 06:11:25
Document Index: 371882275

Matched Legal Cases: ['§ 59', '§ 603', '§ 1681', '§ 603', '§ 1681', '§ 1681']

Code of Virginia Code - Chapter 35.1. Security Freezes
Table of Contents » Title 59.1. Trade and Commerce » Chapter 35.1. Security Freezes
Chapter 35.1. Security Freezes.
§ 59.1-444.1. Definitions.
"Consumer" means an individual who is also a resident of this state.
"Consumer reporting agency" has the same meaning as in § 603(f) of the Fair Credit Reporting Act (15 U.S.C. § 1681a(f)).
"Credit report" means a "consumer report," as defined in § 603(d) of the Fair Credit Reporting Act (15 U.S.C. § 1681a(d)); provided, however, that for purposes of this chapter, a credit report is limited to information that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the information as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family or household purposes.
"Proper identification" means proper identification as defined in 15 U.S.C. § 1681h(a)(1).
2008, cc. 480, 496; 2014, c. 570.
3. Payment of a fee not to exceed $5, if applicable.
M. This section does not prevent a consumer reporting agency from charging a fee of no more than $5 to a consumer to place each freeze, except that a consumer reporting agency may not charge a fee to a victim of identity theft who has submitted a valid police report to the consumer reporting agency.
Unless you are a victim of identity theft with a police report to verify the crimes, a consumer reporting agency has the right to charge you up to $5 to place a freeze on your credit report."
R. Any person who obtains a consumer report, requests a security freeze, requests the temporary lift of a freeze, or the removal of a security freeze from a consumer reporting agency under false pretenses or in an attempt to violate federal or state law shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.
2008, cc. 480, 496; 2009, c. 406; 2014, c. 570; 2018, cc. 264, 303.