Provides that a consumer may prevent access to the consumer’s credit report by requesting that the consumer reporting agency place a security freeze on the consumer’s credit report.
This one seems riddled with potential problems. If an individual requests a “security freeze” on their credit report, the reporting agency is then only allowed to give the information to government and law enforcement entities, creditors of the individual for use in collecting on the debt, and the consumer. (I have some vague recollection that it is currently not entirely appropriate for creditors to use credit reporting information to collect a debt.)
It allows the reporting agency to disregard the request if it’s based on “false information” even though the individual isn’t required to provide any reason for the freeze. It also seems like there would be First Amendment and federal preemption issues involved. Maybe the Fair Credit Reporting Act.
I appreciate the sentiment, but I also get the feeling that the genie is already out of the bottle with regard to dissemination of our personal information. At this late date, I don’t think you can ever be certain that someone isn’t privy to your personal information.