Chapter 13C — Access to Consumer Reports Prepared by Consumer Reporting Agencies

Minnesota Statutes Chapter 13C — Access to Consumer Reports Prepared by Consumer Reporting Agencies

13C.001 Definitions This section defines key terms for Minnesota's consumer credit reporting law. A 'consumer report' is any communication … 13C.01 Access to Consumer Reports Prepared by Consumer Reporting Agencies Minnesota consumers can request a copy of their consumer report from any reporting agency that maintains one, for a fee … 13C.016 Consumer Security Freeze Minnesota consumers have the right to place a security freeze on their credit report, which prevents any new credit or … 13C.017 Security Freeze; Changes to Information; Written Confirmation Required When a security freeze is in place, a consumer reporting agency must send written confirmation to a consumer within 30 … 13C.018 Security Freeze; Not Applicable to Certain Consumer Reporting Agencies Consumer reporting agencies that only resell credit information compiled from other agencies' databases are not required … 13C.019 Security Freeze; Exempt Entities Two types of consumer reporting companies are exempt from the security freeze requirement. Check services and fraud … 13C.02 Disclosure of Use of Consumer Reports for Employment Purposes Before obtaining a consumer report for employment purposes, an employer must clearly disclose to the applicant or … 13C.03 Notice of Adverse Action If an employer denies a job application or takes other adverse action based on a consumer report, the employer must … 13C.04 Enforcement; Remedies The Minnesota Attorney General and county attorneys can enforce chapter 13C under their general consumer protection … 13C.10 Protected Persons Security Freeze Parents and legal guardians can request a security freeze on behalf of a child under 16 years old, protecting the child …