AB248,3,33 (a) "Consumer report" has the meaning given in 15 USC 1681a (d).
AB248,3,44 (b) "Consumer reporting agency" has the meaning given in s. 15 USC 1681a (f).
AB248,3,55 (c) "Protected consumer" means an individual who is one of the following:
AB248,3,76 1. Under the age of 16 years at the time a request for the placement of a security
7freeze is made under sub. (3) (a).
AB248,3,88 2. An individual for whom a guardian or conservator has been appointed.
AB248,3,109 (d) "Record" means a compilation of information about a protected consumer
10that satisfies all of the following:
AB248,3,1111 1. The compilation identifies the protected consumer.
AB248,3,1312 2. The compilation is created by a consumer reporting agency solely for the
13purpose of complying with this section.
AB248,3,1514 (e) "Representative" means a person who provides to a consumer reporting
15agency sufficient proof of authority to act on behalf of a protected consumer.
AB248,3,1616 (f) "Security freeze for a protected consumer" means one of the following:
AB248,3,2017 1. If a consumer reporting agency does not have a file pertaining to a protected
18consumer, a restriction placed on the protected consumer's record that prohibits,
19except as provided in this section, the consumer reporting agency from releasing the
20protected consumer's record.
AB248,3,2521 2. If a consumer reporting agency has a file pertaining to the protected
22consumer, a restriction placed on the protected consumer's credit report that
23prohibits, except as provided in this section, the consumer reporting agency from
24releasing the protected consumer's credit report or any information derived from the
25protected consumer's credit report.
AB248,4,3
1(g) "Sufficient proof of authority' means documentation that shows a
2representative has authority to act on behalf of a protected consumer, including any
3of the following:
AB248,4,44 1. An order issued by a court.
AB248,4,55 2. A lawfully executed and valid power of attorney.
AB248,4,76 3. A written, notarized statement signed by a representative that expressly
7describes the authority of the representative to act on behalf of a protected consumer.
AB248,4,108 (h) "Sufficient proof of identification" means information or documentation
9that identifies a protected consumer or a representative of a protected consumer,
10including any of the following:
AB248,4,1211 1. A social security number or a copy of a social security card issued by the social
12security administration.
AB248,4,1413 2. A certified or official copy of a birth certificate issued by the entity authorized
14to issue the birth certificate.
AB248,4,1715 3. A copy of an operator's license issued under ch. 343 or under a comparable
16law of another state, an identification card issued under s. 343.50 or under a
17comparable law of another state, or any other government issued identification.
AB248,4,19 18(2) Exceptions. This section does not apply to the use of a protected consumer's
19credit report or record by any of the following:
AB248,4,2220 (a) A person administering a credit file monitoring subscription service to
21which the protected consumer has subscribed or   the representative of the protected
22consumer has subscribed on behalf of the protected consumer.
AB248,4,2523 (b) A person providing the protected consumer or the protected consumer's
24representative with a copy of the protected consumer's credit report on request of the
25protected consumer or the protected consumer's representative.
AB248,5,1
1(c) A person exempted under s. 100.54 (8) from the requirements of s. 100.54.
AB248,5,22 (d) An insurance company for the purpose of conducting its ordinary business.
AB248,5,53 (e) A consumer reporting agency's database or file that consists of information
4concerning, and used for, one or more of the following, but not for credit granting
5purposes:
AB248,5,66 1. Criminal record information.
AB248,5,77 2. Fraud prevention or detection.
AB248,5,88 3. Personal loss history information.
AB248,5,99 4. Employment, tenant, or other background screening.
AB248,5,13 10(3) Placement of security freeze. (a) A consumer reporting agency shall place
11a security freeze for a protected consumer if the consumer reporting agency receives
12a request from the protected consumer's representative for the placement of the
13security freeze and the protected consumer's representative does all of the following:
AB248,5,1514 1. Submits the request to the consumer reporting agency at the address or other
15point of contact and in the manner specified by the consumer reporting agency.
AB248,5,1716 2. Provides to the consumer reporting agency sufficient proof of identification
17of the protected consumer and the representative.
AB248,5,1918 3. Provides to the consumer reporting agency sufficient proof of authority to act
19on behalf of the protected consumer.
AB248,5,2020 4. Pays to the consumer reporting agency a fee as provided in sub. (5).
AB248,6,521 (b) If a consumer reporting agency does not have a file pertaining to a protected
22consumer when the consumer reporting agency receives a request under par. (a), the
23consumer reporting agency shall create a record for the protected consumer. Upon
24receiving the request, the consumer reporting agency shall verify that no file
25pertains to the protected consumer by checking for existing files relating to the

1protected consumer's name and social security number and for existing files relating
2only to the protected consumer's social security number. A record created under this
3paragraph may not be used to consider the protected consumer's creditworthiness,
4credit standing, credit capacity, character, general reputation, personal
5characteristics, or mode of living.
AB248,6,86 (c) Within 30 days after receiving a request that meets the requirements of par.
7(a), a consumer reporting agency shall place a security freeze for the protected
8consumer.
AB248,6,129 (d) Unless a security freeze for a protected consumer is removed in accordance
10with sub. (4) or (6), a consumer reporting agency may not release the protected
11consumer's credit report, any information derived from the protected consumer's
12credit report, or any record created for the protected consumer.
AB248,6,1413 (e)   A security freeze for a protected consumer placed under par. (c) remains in
14effect until one of the following occurs:
AB248,6,1715 1. The protected consumer or the protected consumer's representative requests
16the consumer reporting agency to remove the security freeze in accordance with sub.
17(4).
AB248,6,1818 2. The security freeze is removed in accordance with sub. (6).
AB248,6,22 19(4) Removal of security freeze. (a) If a protected consumer or a protected
20consumer's representative wishes to remove a security freeze for the protected
21consumer, the protected consumer or the protected consumer's representative shall
22do all of the following:
AB248,6,2523 1. Submit a request for the removal of the security freeze to the consumer
24reporting agency at the address or other point of contact and in the manner specified
25by the consumer reporting agency.
AB248,7,2
12. Provide to the consumer reporting agency sufficient proof of identification
2of the protected consumer and one of the following:
AB248,7,53 a. For a request by the protected consumer, proof that the sufficient proof of
4authority for the protected consumer's representative to act on behalf of the
5protected consumer is no longer valid.
AB248,7,86 b. For a request by the representative of the protected consumer, sufficient
7proof of identification of the representative and sufficient proof of authority to act on
8behalf of the protected consumer.
AB248,7,99 3. Pay to the consumer reporting agency a fee as provided in sub. (5).
AB248,7,1210 (b)   Within 30 days after receiving a request that meets the requirements of par.
11(a), the consumer reporting agency shall remove the security freeze for the protected
12consumer.
AB248,7,14 13(5) Fees. (a) Except as provided in par. (b), a consumer reporting agency may
14not charge a fee for any service performed under this section.
AB248,7,1615 (b) A consumer reporting agency may charge a reasonable fee, not exceeding
16$10, for each placement or removal of a security freeze for a protected consumer.
AB248,7,1817 (c) Notwithstanding par. (b), a consumer reporting agency may not charge any
18fee under this section if any of the following applies:
AB248,7,2119 1. The protected consumer's representative has obtained a police report or
20affidavit of alleged identity fraud against the protected consumer and provides a
21copy of the report or affidavit to the consumer reporting agency.
AB248,7,2422 2. A request for the placement or removal of a security freeze is for a protected
23consumer who is under the age of 16 years at the time of the request and the
24consumer reporting agency has a file pertaining to the protected consumer.
AB248,8,5
1(6) Material misrepresentations. A consumer reporting agency may remove
2a security freeze for a protected consumer or delete a record of a protected consumer
3if the security freeze was placed or the record was created based on a material
4misrepresentation of fact by the protected consumer or the protected consumer's
5representative.
AB248,8,7 6(7) Penalty; enforcement. (a) A person who violates this section may be
7required to forfeit not more than $1,000 for each violation.
AB248,8,128 (b) The department of agriculture, trade and consumer protection or the
9department of justice, after consulting with the department of agriculture, trade and
10consumer protection, may bring an action for temporary or permanent injunctive or
11other relief for any violation of this section or an action for the penalty authorized
12in par. (a).
AB248,2 13Section 2. Effective date.
AB248,8,1514 (1) This act takes effect on January 14, 2014, or on the day after publication,
15whichever is later.
AB248,8,1616 (End)
Loading...
Loading...