NRS598C.300. Duty of reporting agency to place security freeze in file of consumer upon request; procedures; use of personal identification number or password; security freeze must not be considered adverse factor against consumer.

      1.  A consumer may place a security freeze in his or her file by making a request in writing by certified mail to the reporting agency. At the time of the request, the consumer must provide to the reporting agency sufficient identification to establish the identity of the consumer.

      2.  A reporting agency shall place a security freeze in the file of a consumer not later than 5 business days after the reporting agency receives a request from the consumer to place the security freeze in his or her file.

      3.  Not later than 10 business days after the placement of the security freeze in the file of the consumer, the reporting agency shall send written confirmation to the consumer of the placement of the security freeze in his or her file and provide the consumer with:

      (a) A unique personal identification number or password, which is not the social security number of the consumer, to be used by the consumer to authorize the temporary release of the consumer report pursuant to NRS 598C.350 or the removal of a security freeze from the file pursuant to NRS 598C.360;

      (b) Information explaining the procedures by which a consumer may contact the reporting agency to authorize the temporary release of his or her consumer report pursuant to NRS 598C.350 or the removal of a security freeze from his or her file pursuant to NRS 598C.360; and

      (c) The written disclosure required pursuant to NRS 598C.310.

      4.  A consumer may request in writing a replacement personal identification number or password. At the time of the request, the consumer must provide to the reporting agency sufficient identification to establish the identity of the consumer. Not later than 10 business days after receiving the request, the reporting agency shall provide the consumer with a new, unique personal identification number or password, which is not the social security number of the consumer, to be used by the consumer instead of the number or password that was provided pursuant to paragraph (a) of subsection 3.

      5.  Except as otherwise provided in NRS 598C.350, 598C.360 and 598C.370, a reporting agency shall not remove a security freeze placed in the file of a consumer.

      6.  The presence of a security freeze in the file of a consumer must not be considered to be an adverse factor in the consumer’s credit worthiness, credit standing or credit capacity.

      (Added to NRS by 2005, 1519)