E. On requesting removal, the consumer shall provide the following information:

1. 1. Proper identification.
2. 2. The unique personal identification number or password that the consumer reporting agency provided to the consumer.

F. On requesting a temporary lift to allow a credit report to be accessed for a specific period of time, the consumer shall contact the consumer reporting agency and shall request that the security freeze be temporarily lifted and shall provide the following information:

1. 1. Proper identification.
2. 2. The unique personal identification number or password that the consumer reporting agency provided to the consumer.
3. 3. The proper information regarding the specific time period for which the credit report shall be available to users of the credit report.

G. A consumer reporting agency shall remove or temporarily lift a security freeze from a consumer's credit report within:

1. 1. Three business days after receiving the consumer's request for the removal or temporary lift by mail.

2. 2. Fifteen minutes after receiving the consumer's request through the use of telephone, internet or other electronic contact method in a form acceptable to the consumer reporting agency, during normal business hours. The consumer reporting agency is not required to remove or temporarily lift the security freeze within the fifteen minute time limit if the agency's ability is prevented by any of the following:

   1. (a) An act of God, including fire, earthquakes, hurricanes, storms or similar natural disaster or phenomena.
   2. (b) Unauthorized or illegal acts by a third party, including terrorism, sabotage, riot, vandalism, labor strikes or disputes disrupting operations or similar occurrence.
   3. (c) Operational interruption, including electrical failure, unanticipated delay in equipment or replacement part delivery, computer hardware or software failures inhibiting response time or similar disruption.
   4. (d) Governmental action, including emergency orders or regulations, judicial or law enforcement action or similar directives.
   5. (e) Regularly scheduled maintenance, during other than normal business hours of, or updates to, the consumer reporting agency's systems.
   6. (f) Commercially reasonable maintenance of, or repair to, the consumer reporting agency's systems that is unexpected or unscheduled.
   7. (g) Receipt of a removal or temporary lift request outside of normal business hours.

H. A consumer reporting agency shall remove or temporarily lift a security freeze placed on a consumer's credit report only in the following cases:

1. 1. If the consumer requests removal pursuant to subsection E of this section or a temporary lift pursuant to subsection F of this section.
2. 2. If the consumer's credit report was frozen as a result of a material misrepresentation of fact. If a consumer reporting agency intends to remove a security freeze on a consumer's credit report pursuant to this paragraph, the consumer reporting agency shall notify by mail, telephone, internet or other electronic contact method the consumer before removing the security freeze on the consumer's credit report.

N. This section does not apply to the use of a credit report or credit score by any of the following:

1. 1. A person, a subsidiary, affiliate, agent or subcontractor of that person, an assignee of a financial obligation owed by the consumer to that person or a prospective assignee of a financial obligation owed by the consumer to that person in conjunction with the proposed purchase of the financial obligation with which the consumer has or had before assignment an account or contract, including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract or negotiable instrument. For the purposes of this paragraph, "reviewing the account" includes activities that are related to account maintenance, monitoring, credit line increases and account upgrades and enhancements.
2. 2. A subsidiary, affiliate, agent, assignee or prospective assignee of a person to whom access has been granted under this section for the purpose of facilitating the extension of credit or other permissible use.
3. 3. Any state or local agency, law enforcement agency, trial court or private collection agency acting pursuant to a court order, warrant or subpoena.
4. 4. A child support agency acting pursuant to title 25, chapter 3, article 2 or title IV-D of the social security act.
5. 5. The department of health services or its agents or assigns acting to investigate fraud.
6. 6. The department of revenue or its agents or assigns acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities.
7. 7. The department of transportation or its agents or assigns acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities.
8. 8. The administrative office of the courts to conduct audits or investigate fraud or for applicant screening.
9. 9. Any agency or entity for the purposes of prescreening or postscreening as provided for by the federal fair credit reporting act (15 United States Code section 1681b).
10. 10. Any person or entity that administers a credit file monitoring subscription service to which the consumer has subscribed.
11. 11. Any person or entity for the purpose of providing a consumer with a copy of the consumer's credit report or consumer's credit score on the consumer's request.
12. 12. Except as otherwise provided by law, a person setting or adjusting a rate or claim or underwriting for insurance purposes.

13. 13. Any person who uses a consumer reporting agency's database or file that consists entirely of information concerning, and is used solely for, one or more of the following:

    1. (a) Criminal record information.
    2. (b) Fraud prevention or detection.
    3. (c) Tenant screening.
    4. (d) Employment screening.
14. 14. Any state or federally regulated bank or financial institution for checking, savings and investment accounts.

O. The following entities are not required to place a security freeze on a credit report:

1. 1. A check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers or similar methods of payments.
2. 2. A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine abuse or similar negative information regarding a consumer to inquiring banks or financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.
3. 3. 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 multiple consumer reporting agencies and that does not maintain a permanent database of credit information from which new credit reports or credit scores are produced.

Q. For the purposes of this section:

1. 1. "Proper identification" means information that is generally deemed to be sufficient to identify a person under the circumstances.
2. 2. "Security freeze" means a notice that is placed in a consumer's credit report at the request of the consumer and that prohibits the consumer reporting agency from releasing the consumer's credit report without the express authorization of the consumer.