SB 801 Requires credit reporting agencies to block information in a consumer's credit report that resulted from identity theft
Sponsor: Rupp
LR Number: 4330S.01P Fiscal Note: 4330-01P.ORG
Committee: Commerce, Consumer Protection, Energy and the Environment
Last Action: 4/28/2010 - Referred H Financial Institutions Committee Journal Page: H1158
Title: Calendar Position:
Effective Date: August 28, 2010

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Current Bill Summary

SB 801 - The act requires consumer reporting agencies to block certain information in a consumer's credit report, if the consumer has identified such information as the result of identity theft. Provided the consumer submits certain information to the consumer reporting agency, the consumer reporting agency must implement the information block within 4 days of receipt of the request.

After implementing a block, the consumer reporting agency must provide certain notification to the entity that furnished the information to the reporting agency.

The consumer reporting agency may decline or rescind a block in certain circumstances and must notify the consumer of such action.

The act does not apply to resellers of consumer reports that are not selling reports with the identified information at the time of the consumer's request. Resellers that receive a request to block information from a consumer must comply with the block and inform the consumer of each credit agency that sold the credit report to the reseller. The act does not apply to check services companies, but check services companies must not report certain information to a consumer reporting agency after a consumer has requested an information block due to identity theft.