Consumer credit reporting agencies: security freeze requests.

The Consumer Credit Reporting Agencies Act authorizes a consumer to place a security freeze on his or her credit report by making a request in writing by mail to a consumer credit reporting agency. That act requires a consumer credit reporting agency to place the security freeze on the consumer's credit report no later than 3 business days after receiving the consumer's request and to send a written confirmation of the security freeze to the consumer within 10 business days. The act also generally requires a consumer credit reporting agency, upon consumer request, to temporarily lift or remove a freeze, subject to receiving proper identification, and satisfying other conditions.