Illinois Compiled Statutes 815 ILCS 505/2VV – Credit and public utility service; identity theft
Current as of: 2024 | Check for updates
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It is an unlawful practice for a person to deny credit or public utility service to or reduce the credit limit of a consumer solely because the consumer has been a victim of identity theft as defined in Section 16-30 or 16G-15 of the Criminal Code of 1961 or the Criminal Code of 2012, if the consumer:
(1) has provided a copy of an identity theft report
(1) has provided a copy of an identity theft report
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as defined under the federal Fair Credit Reporting Act and implementing regulations evidencing the consumer’s claim of identity theft;
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(2) has provided a properly completed copy of a
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standardized affidavit of identity theft developed and made available by the Federal Trade Commission pursuant to 15 U.S.C. § 1681g or an affidavit of fact that is acceptable to the person for that purpose;
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(3) has obtained placement of an extended fraud
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alert in his or her file maintained by a nationwide consumer reporting agency, in accordance with the requirements of the federal Fair Credit Reporting Act; and
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(4) is able to establish his or her identity and
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address to the satisfaction of the person providing credit or utility services.
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Terms Used In Illinois Compiled Statutes 815 ILCS 505/2VV
- Affidavit: A written statement of facts confirmed by the oath of the party making it, before a notary or officer having authority to administer oaths.
- Fair Credit Reporting Act: A federal law, established in 1971 and revised in 1997, that gives consumers the right to see their credit records and correct any mistakes. Source: OCC