If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the consumer’s file: name; date of birth; Social Security number; or address. Written confirmation is not required for technical modifications of a consumer’s official information, including name and street abbreviations, complete spellings, or transposition of numbers or letters.

The provisions of sections 4 through 9 of this amendatory and supplementary act shall not apply to a consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent data base of credit information from which new consumer reports are produced, except that such a reseller of credit information shall honor any security freeze placed on a consumer report by another consumer reporting agency.

The following entities are not required to place a security freeze in a consumer report, pursuant to section 5 of this amendatory and supplementary act: a. A check services company or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; and b. A demand deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, ATM abuse, or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a demand deposit account at the inquiring bank or financial institution.

a. Any person who willfully fails to comply with the requirements of sections 4 through 9 of this amendatory and supplementary act shall be liable to a consumer as provided in section 11 of P.L.1997, c.172 (C.56:11-38). b. Any person who is negligent in failing to comply with the requirements of sections 4 through 9 of this amendatory and supplementary act shall be liable to a consumer as provided in section 12 of P.

This legal document prohibits creditors from denying credit to, or reducing the credit limit of, individuals solely because they were victims of identity theft. The definition of ‘victim of identity theft’ includes individuals who present a copy of a police report or a properly completed affidavit of identity theft when applying for credit or increasing their credit limit. However, creditors still have the right to deny credit or reduce the credit limit of identity theft victims for other reasons authorized by law.

Any creditor who violates any provision of this act shall be liable for a penalty of not more than $5,000 for each violation, to be collected by and in the name of the Commissioner of Banking and Insurance in a summary proceeding pursuant to the ‘Penalty Enforcement Law of 1999,’ P.L.1999, c.274 (C.2A:58-10 et seq.). L.2007,c.33,s.2.

This act shall be known and may be cited as the ‘Personal Information and Privacy Protection Act.’ L.2017, c.124, s.1.

This document, part of the New Jersey General and Permanent Statutes, defines key terms related to unsolicited credit cards and checks. It states that a ‘check’ refers to a demand draft drawn on or payable through a US depository institution, while a ‘credit card’ encompasses various credit devices. An ‘unsolicited check’ is defined as a check sent to a person to draw on an existing credit account or activate a new account, excluding certain circumstances.

It shall be an unlawful practice for any person to mail or otherwise deliver an unsolicited credit card to a person in this State. L.2004,c.159,s.2.

No person in whose name an unsolicited credit card is issued shall be liable for any amount resulting from use of that card, from which that person or a member of that person’s family or household derives no benefit, unless the person has accepted the card by activating the card or using the card, or by authorizing use of the card by another person. Failure to destroy or return an unsolicited credit card shall not constitute acceptance of the card.