Removal or temporary lifting of security freeze; timing

1. Law
2. Mississippi Code
3. Regulation of Trade, Commerce and Investments
4. Regulation of Business for Consumer Protection
5. Obligations of Consumer Reporting Agencies
6. Removal or temporary lifting of security freeze; timing

1. On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall remove a security freeze within three (3) business days after the agency receives the request.
2. On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall, within three (3) business days after the agency receives the request, temporarily lift the security freeze for:
   1. A certain properly designated period; or
   2. A certain properly identified requester.
3. A consumer reporting agency may develop procedures involving the use of a telephone, a facsimile machine, the Internet or another electronic medium to receive and process a request from a consumer under this section.
4. A consumer reporting agency shall remove a security freeze placed on a consumer file if the security freeze was placed due to a material misrepresentation of fact by the consumer. The consumer reporting agency shall notify the consumer in writing before removing the security freeze under this subsection.
5. A consumer reporting agency may not charge a fee for a request under subsection (1) or (2).

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