2014 Virginia Code
Title 59.1 - Trade and Commerce
§ 59.1-444.1. (Effective January 1, 2015) Definitions
As used in this chapter:
"Consumer" means an individual who is also a resident of this state.
"Consumer reporting agency" has the same meaning as in § 603(f) of the Fair Credit Reporting Act (15 U.S.C. § 1681a (f)).
"Credit report" means a "consumer report," as defined in § 603(d) of the Fair Credit Reporting Act (15 U.S.C. § 1681a (d)); provided, however, that for purposes of this chapter, a credit report is limited to information that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the information as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family or household purposes.
"Proper identification" means proper identification as defined in 15 U.S.C. § 1681h (a)(1).
"Security freeze" means a notice placed in a consumer's credit report, at the request of the consumer and subject to certain exceptions, that prohibits the consumer reporting agency from releasing the consumer's credit report or score relating to the extension of credit.
2008, cc. 480, 496.
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