59.1-444.1 - Definitions. - Virginia Statutes

§ 59.1-444.1. 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 FairCredit Reporting Act (15 U.S.C. § 1681a(f)).

"Credit report" means a "consumer report," as defined in § 603(d) of theFair Credit Reporting Act (15 U.S.C. § 1681a(d)); provided, however, that forpurposes of this chapter, a credit report is limited to information that aconsumer reporting agency furnishes to a person that it has reason to believeintends to use the information as a factor in establishing the consumer'seligibility for credit to be used primarily for personal, family or householdpurposes.

"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, atthe request of the consumer and subject to certain exceptions, that prohibitsthe consumer reporting agency from releasing the consumer's credit report orscore relating to the extension of credit.

(2008, cc. 480, 496.)