Utah Code 13-45-205. Changes to information in a credit report subject to a security freeze
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(1) If a credit report is subject to a security freeze, a consumer reporting agency shall notify the consumer who is the subject of the credit report within 30 days if the consumer reporting agency changes the consumer’s:
Terms Used In Utah Code 13-45-205
- Consumer: means an individual who is not a protected consumer. See Utah Code 13-45-102
- Consumer reporting agency: means a person who, for fees, dues, or on a cooperative basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a credit report to another person. See Utah Code 13-45-102
- Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
- Credit report: means a consumer report, as defined in Utah Code 13-45-102
- Security freeze: means a prohibition, consistent with the provisions of this section, on a consumer reporting agency's furnishing of a consumer's credit report to a third party intending to use the credit report to determine the consumer's eligibility for credit. See Utah Code 13-45-201
(1)(a) name;
(1)(b) date of birth;
(1)(c) Social Security number; or
(1)(d) address.
(2)
(2)(a) Notwithstanding Subsection (1), a consumer reporting agency may make technical modifications to information in a credit report that is subject to a security freeze without providing notification to the consumer.
(2)(b) Technical modifications under Subsection (2)(a) include:
(2)(b)(i) the addition or subtraction of abbreviations to names and addresses; and
(2)(b)(ii) transpositions or corrections of incorrect numbering or spelling.
(3) When providing notice of a change of address under Subsection (1), the consumer reporting agency shall provide notice to the consumer at both the new address and the former address.