(1) On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer’s personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall remove a security freeze within three (3) business days after the agency receives the request.
(2) On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer’s personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall, within three (3) business days after the agency receives the request, temporarily lift the security freeze for:
(a) A certain properly designated period; or
(b) A certain properly identified requester.
(3) A consumer reporting agency may develop procedures involving the use of a telephone, a facsimile machine, the Internet or another electronic medium to receive and process a request from a consumer under this section.
(4) A consumer reporting agency shall remove a security freeze placed on a consumer file if the security freeze was placed due to a material misrepresentation of fact by the consumer. The consumer reporting agency shall notify the consumer in writing before removing the security freeze under this subsection.
(5) A consumer reporting agency may not charge a fee for a request under subsection (1) or (2).
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