Arkansas § 4-112-102 - Definitions.

§ 4-112-102. Definitions.

As used in this chapter: “Consumer” means an individual; “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009; “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009; “Credit report” means a consumer report that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the consumer report as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes; “Proper identification” means the same as defined in 15 U.S.C. § 1681h(a)(1) as it existed on January 1, 2009; “Security freeze” means a notice placed in a credit report of a consumer at the request of the consumer that prohibits a consumer reporting agency from releasing the credit report or credit score of the consumer in response to a request to open a new account or to extend credit; and “Victim of identity theft” means a consumer who supplies to a consumer reporting agency in conjunction with a request for a security freeze a copy of a valid investigative report, an incident report, or a complaint with a law enforcement agency alleging the unlawful use of the consumer's identifying information by another person. The copy of the valid investigative report, the incident report, or the complaint with a law enforcement agency may be transmitted to the consumer reporting agency by mail or secure electronic connection or secure electronic mail connection if the connection is made available by the consumer reporting agency.