SF 2217

as introduced - 84th Legislature (2005 - 2006) Posted on 12/15/2009 12:00am

A bill for an act
relating to consumer protection; regulating consumer
credit reports; providing free credit reports to
victims of identity theft; proposing coding for new
law in Minnesota Statutes, chapter 13C.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

new text begin [13C.032] VICTIMS OF IDENTITY THEFT; FREE
CREDIT REPORTS.
new text end

new text begin (a) In addition to any other rights the consumer may have
under this chapter, every consumer credit reporting agency,
after being contacted by telephone, mail, or in person by any
consumer who has reason to believe he or she may be a victim of
identity theft, shall promptly provide to that consumer a
statement, written in a clear and conspicuous manner, describing
the statutory rights of victims of identity theft under this
chapter.
new text end

new text begin (b) Every consumer credit reporting agency shall, upon the
receipt from a victim of identity theft of a police report or
other valid investigative report made by an investigator with
peace officer status regarding the crime, provide the victim,
free of charge and upon request, with up to 12 copies of his or
her file during consecutive 12-month period, not to exceed one
copy per month, following the date of the police report.
Notwithstanding any other provision of this chapter, the maximum
number of free reports a victim of identity theft is entitled to
obtain under this title is 12 per year, as provided by this
section.
new text end

new text begin (c) Paragraph (a) does not apply to a consumer reporting
agency that acts only as a reseller of credit information by
assembling and merging information contained in the database of
another consumer reporting agency or agencies and that does not
maintain a permanent database of credit information from which
new credit reports are produced.
new text end