Bill Summary
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Senate Counsel & Research   State of Minnesota
 

S.F. No. 2145 - Credit Report Blocking
Author: Senator Mike McGinn
Prepared by: Matthew S. Grosser, Senate Research (651/296-1890)
Date: March 14, 2006

 The bill allows consumers, upon submission of a valid police report, to permanently block the reporting of any information on their credit report, which the consumer alleges is the result of identity theft. The bill requires credit reporting agencies to promptly notify the furnisher of the information that the information has been blocked and permits unblocking of the information only if: there is material misrepresentation of fact, or fraud, by the consumer; the consumer agrees the information was blocked in error; or if the consumer knowingly obtained goods, services, or money as a result of the blocked transaction.


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