Mich. Comp. Laws § 445.2531: Placement of security freeze on protected consumer's credit report; requirements; record; days.
Where this section sits in the code
- MI Code
- Chapter 445
- Act Act-229-of-2013
Sec. 21.
(1) A consumer reporting agency shall place a security freeze on a protected consumer's credit report if all of the following are met:
(a) The consumer reporting agency receives a request from the representative of the protected consumer for the placement of the security freeze.
(b) The protected consumer's representative does all of the following:
( i ) Submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency.
( ii ) Provides to the consumer reporting agency sufficient proof of identification for the protected consumer and the representative.
( iii ) Provides to the consumer reporting agency his or her sufficient proof of authority.
(2) If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under subsection (1), the consumer reporting agency shall create a record for the protected consumer.
(3) Within 30 days after receiving a request that meets the requirements of subsection (1), a consumer reporting agency shall place a security freeze for the protected consumer.
Collected 2026-09-14T18:32:31Z. Source file · JSON