{"data":{"id":"us-in/ic-24-5-24-8","jurisdiction":"us-in","citation":"IC 24-5-24-8","heading":"Application treated as incomplete by third party; notification of security freeze","body":"Sec. 8. (a) A third party that requests a consumer's consumer report in connection with an application by the consumer for credit shall treat the application for credit as incomplete if:\n(1) a security freeze has been placed on the consumer's consumer report;\n(2) the consumer has not authorized the release of the consumer's consumer report under section 7 of this chapter; and\n(3) the consumer reporting agency refuses to release the consumer report to the third party based on subdivisions (1) and (2).\n(b) A consumer reporting agency that refuses under subsection (a)(3) to release a consumer report shall notify the third party requesting the consumer report of the existence of a security freeze as the basis for the refusal to release the consumer report to the third party.\n(c) A consumer reporting agency shall not:\n(1) state; or\n(2) otherwise imply;\nto a third party that the consumer's security freeze under this chapter reflects a negative credit score, history, report, or rating.","path":["TITLE 24. TRADE REGULATION","ARTICLE 5. CONSUMER SALES","Chapter 24. Security Freezes for Consumer Reports"],"source_url":"https://iga.in.gov/ic/2026/Title_24.html#24-5-24-8","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-04T18:50:41Z","sha256":"00d41fe39f5060a5fa0c30614874421253873ada4ce72da1f71be6bbc8e2d0c0","source_id":"us-in","stale":false,"prev":"us-in/ic-24-5-24-7","next":"us-in/ic-24-5-24-9"},"notice":"GroundRules: Original legal text. Not legal advice."}