§ 24-5-24-1 “Consumer”
§ 24-5-24-2 “Consumer report”
§ 24-5-24-3 “Consumer reporting agency”
§ 24-5-24-4 “Security freeze”
§ 24-5-24-5 Requesting and placing a security freeze; requirements; exception; electronic mail connection
§ 24-5-24-6 Written confirmation of security freeze; unique personal identification number or password; instructions; time requirements
§ 24-5-24-7 Releasing the consumer report upon authorization; developing secure procedures; time requirements; exceptions
§ 24-5-24-8 Application treated as incomplete by third party; notification of security freeze
§ 24-5-24-9 Security freeze remains in effect; requesting removal; requirements; time requirements; exceptions
§ 24-5-24-10 Persons excluded from security freeze restrictions
§ 24-5-24-11 “Energy utility”; “specialized credit reporting tool”; persons excluded from security freeze requirements
§ 24-5-24-12 Written confirmation of change to official information; exception for technical modification
§ 24-5-24-13 Notice with written disclosure; content
§ 24-5-24-14 Fee prohibited
§ 24-5-24-15 Civil action; liability
§ 24-5-24-16 Civil penalty
§ 24-5-24-17 Severability
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Terms Used In Indiana Code > Title 24 > Article 5 > Chapter 24 - Security Freezes for Consumer Reports

  • Attorney: includes a counselor or other person authorized to appear and represent a party in an action or special proceeding. See Indiana Code 1-1-4-5
  • consumer: means an individual:

    Indiana Code 24-5-24-1

  • consumer report: means any written, oral, or other communication of any information that:

    Indiana Code 24-5-24-2

  • consumer reporting agency: means any person that, for monetary fees or dues, or on a cooperative nonprofit 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 consumer report to another person. See Indiana Code 24-5-24-3
  • Contract: A legal written agreement that becomes binding when signed.
  • Credit Score: A number, roughly between 300 and 800, that measures an individual's credit worthiness. The most well-known type of credit score is the FICO score. This score represents the answer from a mathematical formula that assigns numerical values to various pieces of information in your credit report. Source: OCC
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • 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
  • Fraud: Intentional deception resulting in injury to another.
  • Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
  • security freeze: means a designation placed on a consumer's consumer report:

    Indiana Code 24-5-24-4

  • United States: includes the District of Columbia and the commonwealths, possessions, states in free association with the United States, and the territories. See Indiana Code 1-1-4-5