Credit reports; authorizes an individual to freeze access thereto. (HB16)

Introduced By

Del. Lee Ware (R-Powhatan) with support from 10 copatrons, whose average partisan position is:

Progress

√
 Introduced
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 Passed Committee
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 Passed House
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 Passed Senate
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 Signed by Governor
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 Became Law

Description

Credit report security freeze; penalties. Authorizes an individual to freeze access to his credit report. If a consumer has placed a freeze on his credit report, a consumer reporting agency is prohibited from releasing the credit report, or any information in it, without the consumers express authorization. The measure provides a means by which a consumer can release his report, permanently, temporarily, or to a specific third party. Certain disclosures are exempt from the freeze. A consumer reporting agency may charge a fee of no more than $5 for establishing a freeze, removing a freeze, or temporarily lifting a freeze. Violations are a prohibited practice under the Consumer Protection Act. Amends § 59.1-200 (“Prohibited practices.”), § 59.1-444 (“Damages.”), of the Code of Virginia. View Full Text »

Status

01/29/2008: Merged into HB1311
View Bill's History

Comments

Jay S., tracking this bill in Photosynthesis, notes:

rolled into Byron's bill

Posted 53 months ago.
Marsha Maines writes:

This bill would be ok, IF, it didn't allow the government to arbitrarily corrupt credit reports of victims of criminal activity BY the government, when those agencies are not required to follow Federal Fair Credit Lending Law. ie: DCSE alleges a child support 'debt' without verifing data integrity against court ordered support allotted, and simply destroys a persons credit with no recourse or due process, based on 'whatever' the DCSE alleges they are entitled to. DCSE has NEVER maintained accurate accounting practices, charges interest on interest illegally, and has NEVER verified database integrity prior to crippling non custodial parents ability to function as normal citizens. 9,000 jailed parents from just last year can testify to this. GOOD INTENTIONS, but, NOT quite protecting the citizen...only the 'government'..

Posted 53 months ago.
Lisa writes:

Why are there 6 bills that say essentially the same thing? And, I can all ready go to the credit reporting web sites and put a freeze on my report.

Posted 53 months ago.