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Connecticut FCRA / ID THEFT

Submitted by Pammila on Tue, 04/26/2005 - 05:32
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Connecticut
Title 36a. The Banking Law of Connecticut
Part V. Consumer Credit Reports
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  • consumer as defined in section 36a-695 of the general statutes, who believes he or she is a victim of a violation of section 53a-129a of the general statutes, revision of 1958, revised to January 1, 2003, or section 2,3 or 41 of this act may request a credit reporting agency, as defined in section 36a-695 of the general statutes, to block and not report information appearing on his or her credit report, as defined in section 36a-695 of the general statutes, as a result of such violation. Such consumer shall submit such request, in writing, to the credit reporting agency, together with proof of such consumer's identity and a copy of a police report prepared pursuant to section 7 of this act. Not later then 30 days after receipt of such request, the credit reporting agency shall block reporting any information that the consumer alleges appears on his or her credit report as a result of such violation so that the information cannot be reported. The credit rating agency shall promptly notify the furnisher of the information that a police report has been filed, that a block as been requested and the effective date of the block.

  • A credit rating agency may decline to block or may rescind any block of consumer information if the credit rating agency believes in good faith that:
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  • The information was blocked due to a misrepresentation of the fact by the consumer relevant to the request to block under this section,

  • The consumer agrees that the blocked information or portions of the blocked information were blocked in error,

  • The consumer knowingly obtained possession of goods, service or moneys as a result of the blocked transaction or transactions or the consumer should have known that he or she obtained possession of goods, services or moneys as a result of the blocked transaction or transactions,

  • The information was blocked due to fraud in which the consumer participated or of which the consumer had knowledge, and which may for purposes of this section be demonstrated by circumstantial evidence, or

  • The credit rating agency, in the exercise of good faith and reasonable judgment, has substantial reason based on specific, verifiable facts to doubt the authenticity of the consumer's report of the violation of section 53a-129a of the general statutes, revision of 1958, revised to January 1, 2003, or section 2,3 or 4 of this act.

  • If the credit rating agency declines to block information or rescinds the block of information pursuant to subsection (b) of this section, the credit rating agency shall promptly notify the consumer in the same manner as consumers are notified of the reinsertion of information pursuant to subsection (b) of section 36a-699b of the general statutes. The prior presence of the blocked information in the credit rating agency's file on the consumer is not evidence of whether the consumer knew or should have known that he or she obtained possession of any goods, services or moneys.

  • A credit rating agency shall accept the consumer's version of the disputed information and correct the disputed item when the consumer submits to the credit rating agency documentation obtained from the source of the item in dispute or from public records confirming that the report was inaccurate or incomplete, unless the credit rating agency, in the exercise of good faith and reasonable judgment, has substantial reason based on specific, verifiable facts to doubt the authenticity of the documentation submitted and notifies the consumer in writing of that decision, explaining its reasons for unblocking the information and setting for specific, verifiable facts on which the decision is based.

  • A credit rating agency shall delete from a credit report inquiries for credit reports based upon credit requests that the credit rating agency verifies were initiated as a result of a violation for section 53a-129a of the general statutes, revision of 1958, revised to January 1, 2003, or section 2, 3 or 4 of this act.

  • The provisions of this section do not apply to:
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  • A credit rating agency that acts as a reseller of credit information by assembling and merging information contained in the databases of other credit rating agencies, and that does not maintain a permanent database of credit information from which new credit reports are produced,

  • A check services or fraud prevention services company that issues reports on incidents or fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers or similar payment methods, or

  • A demand deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automatic teller machine abuse or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a demand deposit account at the inquiring bank or financial institution.

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    History:

    2003. Created by Act No. 03-156, 9 (S.B. 688). Effective October 1, 2003.

    Relative to the commission of the crime of identity fraud:

    (1) A person commits identity theft when such person intentionally obtains personal identifying information of another person without the authorization of such other person and uses that information to obtain or attempt to obtain, money, credit, goods, services, property or medical information in the name of such other person without the consent of such other person.


  • There are more for other states, but so far I have dislocated them, and the source is not accessible without paying a fee to get them. I will keep my eyes open per chance I can get to the other ones again.

    But each state (most of them) has their own FCRA or laws dealing with ID Theft.


    Submitted by Pammila on Thu, 04/28/2005 - 11:35

    Pammila

    ( Posts: 112 | Credits: )

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