Attention Consumers

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Identity Theft Protection

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North Dakota Security Freeze Process

If you are a North Dakota resident, you have a right to place a “security freeze” on your credit report, which will prohibit us from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

The fee for placing a security freeze on a credit report is $5. If you are a victim of identity theft and submit a copy of a valid police report or case number documenting identity theft or investigative report or a copy of a written complaint to a law enforcement agency about the unlawful use of your information by another person, the fee will be waived.  To request a security freeze, log on to www.experian.com/freeze or send all of the following to Experian Security Freeze, 711 Experian Parkway, Allen, TX 75013: full name, with middle initial and generation, such as JR, SR, II, III, etc.; current mailing address; Social Security number; date of birth (month, day and year); and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a driver‘s license, state or military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the $5 payment or a copy of a valid police report or case number documenting the identity theft, or an investigative report or copy of a written complaint to a law enforcement agency.

To request to purchase your security freeze by phone using a credit card, or if you are a victim of identity theft and want to request your security freeze by phone or fax, call 1 972 390 4179 for instructions.

We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number that will be required in order to remove the freeze temporarily (in order to apply for credit or for any transaction that requires that another party access your personal credit report) or permanently.

To temporarily remove a security freeze for a period of time in order to apply for credit or for any transaction that requires that another party access your personal credit report, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and personal identification number.  The fee for temporarily removing a security freeze is $5. There is no fee for victims of identity theft who provide a valid copy of an identity theft report filed with a law enforcement agency. To temporarily remove a security freeze for a specific party, provide your personal identification number to the party you wish to grant access to your report.

To permanently remove a security freeze, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742). You also may send your request to: Experian Security Freeze, 711 Experian Parkway, Allen, TX 75013 and include all of the identification information listed above. No fee is required.

If you move to a new address and wish to keep the security freeze on your file, submit one copy of a government issued identification card, such as a driver’s license, state or military ID card, etc. and one copy of a utility bill, bank or insurance statement, etc. along with all of the identification information listed above.

Acceptable forms of payment to place or remove a security freeze are credit card, check and money order. If you submit your credit card information by mail, be sure to include the name exactly as it is displayed on the card, the credit card type, the credit card number and the expiration date. Accepted credit cards are American Express, Diners Club, Discover, MasterCard and VISA.

Notification of Rights for North Dakota Consumers

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