Utah § 13-45-505 - Removal of security freeze for protected consumer.

Full text of Utah Utah Code § 13-45-505 — Removal of security freeze for protected consumer., with citation guidance and answers to common questions.

§ 13-45-505. Removal of security freeze for protected consumer.

Effective 1/1/2016
13-45-505. Removal of security freeze for protected consumer.

(1)

To remove a security freeze that is placed under this part, the protected consumer's representative or the consumer who is subject to a protected consumer security freeze shall:

(a)

submit a request for the removal of the security freeze to the consumer reporting agency:

(i)	at the address or other point of contact provided by the consumer reporting agency; and

(ii)	in the manner specified by the consumer reporting agency;

(b)

provide to the consumer reporting agency:

(i)

in the case of a request by a protected consumer's representative:

(A)	sufficient proof of identification of the protected consumer;

(B)	sufficient proof of identification of the protected consumer's representative; and

(C)	sufficient proof of authority to act on behalf of the protected consumer; or

(ii)

in the case of a request by the consumer who is subject to a protected consumer security freeze:

(A)	sufficient proof of identification of the consumer who is subject to a protected consumer security freeze; and

(B)	proof that the consumer who is subject to a protected consumer security freeze is not a protected consumer; and

(c)	if applicable, pay the consumer reporting agency a fee described in Subsection 13-45-506(2).

(2)	Within 30 days after the day on which a consumer reporting agency receives a request under Subsection (1), the consumer reporting agency shall remove the security freeze.

(3)

A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protected consumer's representative.

Enacted by Chapter 191, 2015 General Session

Source: official Utah text · Last verified 2026-08-27

Frequently Asked Questions About Utah § 13-45-505

What does Utah Code § 13-45-505 cover?

Section 13-45-505 ("Removal of security freeze for protected consumer.") is part of the Utah Code, the codified statutory law of Utah. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.

How do I cite Utah § 13-45-505?

A common citation format is "Utah Code § 13-45-505" (Utah). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.

Is this the official text of Utah law?

No. This page is for research and education and may not include the most recent amendments. For official current law, check the Utah official source linked on this page or consult a licensed Utah attorney.

How does Utah § 13-45-505 apply to my situation?

Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Utah can advise on how this section applies to you. Contact your state or local bar association for a referral.

Sources & Verification

Official text of § 13-45-505 at the Utah source

Not legal advice. Verify against the official source and consult a licensed attorney in Utah.