(1)(a) A consumer reporting agency shall temporarily lift or remove a security freeze placed on a consumer report only if a consumer requests that the consumer reporting agency lift or remove the security freeze for the consumer report in accordance with ORS § 646A.608.

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(b) A consumer reporting agency shall remove a security freeze from a protected consumer’s consumer report or protective record or delete a protective record only if the protected consumer or a representative requests that the consumer reporting agency remove the security freeze from the consumer report or protective record or delete the protective record in accordance with ORS § 646A.608.

(2)(a) A consumer reporting agency may temporarily lift or remove a security freeze placed on a consumer report if the security freeze was placed because of a consumer’s, a protected consumer’s or a representative’s material misrepresentation of fact.

(b) A consumer reporting agency may remove a security freeze from or delete a protective record if the consumer reporting agency placed the security freeze or created the protective record as a result of the protected consumer’s or the representative’s material misrepresentation of fact.

(c) If a consumer reporting agency intends to remove a security freeze or delete a protective record under this subsection, the consumer reporting agency shall notify the consumer, protected consumer or representative, as appropriate, in writing at least five business days before removing the security freeze or deleting the protective record. [2007 c.759 § 7; 2013 c.415 § 5]