{"data":{"id":"us-id/idaho-code-28-52-103","jurisdiction":"us-id","citation":"Idaho Code § 28-52-103","heading":"Security freeze.","body":"(1) A consumer may place a security freeze on the consumer’s credit report by:\n(a) Making a request to a consumer reporting agency in writing by regular or certified mail at an address designated by the consumer reporting agency to receive the request;\n(b) Providing proper identification; and\n(c) Paying the fee required by the consumer reporting agency in accordance with section 28-52-106, Idaho Code.\n(2) Upon receiving a request from a consumer under subsection (1) of this section, the consumer reporting agency shall:\n(a) Place a security freeze on the consumer’s credit report within three (3) business days after receiving the consumer’s request; and\n(b) Within five (5) business days after placing the security freeze, send a written confirmation of the security freeze to the consumer and provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorizations for removal or temporary lifts of the security freeze under section 28-52-104, Idaho Code.\n(3) If a security freeze is in place, a consumer reporting agency may not release a consumer’s credit report, or information from the credit report, to a third party that intends to use the information to determine a consumer’s eligibility for credit without prior authorization from the consumer.\n(4) Notwithstanding subsection (3) of this section, a consumer reporting agency may communicate to a third party requesting a consumer’s credit report that a security freeze is in effect on the consumer’s credit report. If a third party requesting a consumer’s credit report in connection with the consumer’s application for credit is notified of the existence of a security freeze under this section, the third party may treat the consumer’s application as incomplete.\n(5) A consumer reporting agency shall require proper identification of the consumer requesting to place, remove or temporarily remove a security freeze.\n(6) A consumer reporting agency shall develop a contact method to receive and process a consumer’s request to permanently remove or temporarily lift a security freeze. The contact method may include: a postal address; an electronic contact method chosen by the consumer reporting agency, which may include the use of fax, internet or other electronic means; or the use of telephone in a manner that is consistent with any federal requirements placed on the consumer reporting agency. By no later than September 1, 2008, a consumer reporting agency shall develop a secure electronic means for a consumer to request the temporary lift of a security freeze.\n(7) A security freeze placed under this section may be removed only in accordance with section 28-52-104, Idaho Code.","path":["TITLE 28 COMMERCIAL TRANSACTIONS","CHAPTER 52 CREDIT REPORT PROTECTION ACT"],"source_url":"https://legislature.idaho.gov/statutesrules/idstat/title28/t28ch52/sect28-52-103/","current_through":"2026 Legislative Session","vintage":"","retrieved_at":"2026-09-04T11:18:28Z","sha256":"be455644941c2553a4fa8512cec520fcf1403af520d6b18bf36eb86d7702ac4d","source_id":"us-id","stale":false,"prev":"us-id/idaho-code-28-52-102","next":"us-id/idaho-code-28-52-104"},"notice":"GroundRules: Original legal text. Not legal advice."}