Browse Arkansas Code titles and sections
4-112-105. Removal of security freeze.
Arkansas Code — all titles (historical 2020) · legal_authorities
4-112-105. Removal of security freeze.
(a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following cases:
(1) Upon the consumer's request under § 4-112-104 or § 4-112-106; or
(2) If the credit report of the consumer was frozen due to a material misrepresentation of fact by the consumer.
(b) If a consumer reporting agency intends to remove a security freeze upon a credit report of a consumer and is not doing so at the request of the consumer, the consumer reporting agency shall notify the consumer in writing at least three (3) business days before removing the security freeze on the credit report of the consumer.
Source: Arkansas Code — historical release 78 (November 6, 2020) · 4-112-105
Stored review status: Historical 2020-11-06 source release; later amendments not reconciled; machine-extracted, not independently legally reviewed; source heading status: text_in_historical_source. A text match is a research starting point; applicability is not established.
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Stable record: arkansas_code:legal_authorities:4-112-105
Source file: gov.ar.code.title.04.odt
Pages: Not recorded – Not recorded
Passage SHA-256: c5fbe0c857b44de30a6abddce83b4f6f2bd93e6cd11f30d3a35d8da8fb0e6441
Source location: content.xml paragraph 38429
Stored source content
4-112-105. Removal of security freeze.
(a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following cases:
(1) Upon the consumer's request under § 4-112-104 or § 4-112-106; or
(2) If the credit report of the consumer was frozen due to a material misrepresentation of fact by the consumer.
(b) If a consumer reporting agency intends to remove a security freeze upon a credit report of a consumer and is not doing so at the request of the consumer, the consumer reporting agency shall notify the consumer in writing at least three (3) business days before removing the security freeze on the credit report of the consumer.
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Arkansas Code — all titles (historical 2020) · legal_authorities
4-112-104. Access to credit report — Notification of unauthorized access.
(a) If the consumer wishes to allow his or her credit report to be accessed for a specific period of time while a security freeze is in place, he or she shall contact the consumer reporting agency using a method of contact designated by the consumer reporting agency requesting that the security freeze be temporarily lifted and providing, to complete the request, all of the following:
(1) Proper identification;
(2) The unique personal identification number or password provided by the consumer reporting agency under § 4-112-103(c); and
(3) The proper information regarding the time period for which the credit report shall be available to users of the credit report.
(b)(1) Except as provided in subdivision (b)(2) of this section, a consumer reporting agency that receives a request in compliance with subsection (a) of this section from a consumer to temporarily lift a security freeze on his or her credit report accompanied by all of the items listed in subsection (a) of this section shall comply with the request no later than:
(A) Three (3) business days after receiving the completed request by mail; or
(B) Fifteen (15) minutes after receiving the completed request by:
(i) Telephone;
(ii) Secure electronic connection; or
(iii) Secure electronic mail connection.
(2) A consumer reporting agency may temporarily lift a security freeze as soon as the circumstances reasonably permit during normal business hours if the consumer reporting agency's ability to temporarily lift the security freeze within fifteen (15) minutes is prevented by:
(A) An act of God, including without limitation a fire, an earthquake, a hurricane, a storm, or a similar natural disaster or phenomenon;
(B) An una
Source: Arkansas Code — historical release 78 (November 6, 2020) · 4-112-104
Stored review status: Historical 2020-11-06 source release; later amendments not reconciled; machine-extracted, not independently legally reviewed; source heading status: text_in_historical_source. The source passage cites 4-112-104. This identifies an authority to review, not proof of applicability.
Arkansas Code — all titles (historical 2020) · legal_authorities
4-112-106. Consumer request for removal of security freeze.
(a)(1) A security freeze shall remain in place until the consumer requests that the security freeze be removed using a method of contact designated by the consumer reporting agency.
(2) A consumer reporting agency shall remove a security freeze within three (3) business days of receiving a request for removal under subdivision (a)(1) of this section from a consumer who provides with the request:
(A) Proper identification; and
(B) The unique personal identification number or password provided by the consumer reporting agency under § 4-112-103(c)(2).
(b) A consumer reporting agency shall require proper identification of the consumer making a request to place or remove a security freeze.
Source: Arkansas Code — historical release 78 (November 6, 2020) · 4-112-106
Stored review status: Historical 2020-11-06 source release; later amendments not reconciled; machine-extracted, not independently legally reviewed; source heading status: text_in_historical_source. The source passage cites 4-112-106. This identifies an authority to review, not proof of applicability.