summary
Introduced
01/21/2025
01/21/2025
In Committee
01/21/2025
01/21/2025
Crossed Over
Passed
Dead
04/24/2025
04/24/2025
Introduced Session
2025 Regular Session
Bill Summary
Social Security number search requests. Defines "Social Security number search request" (search request) as a request made by a consumer to a consumer reporting agency to conduct a search of all files maintained by the consumer reporting agency to determine if the consumer's Social Security number is associated with one or more consumer credit files not associated with the consumer. Provides that after December 31, 2025, upon receiving a search request from a consumer, a consumer reporting agency shall fulfill the consumer's search request if the consumer reporting agency: (1) maintains a file on the consumer; and (2) receives: (A) proper identification from the consumer; and (B) the consumer's written and signed consent for the consumer reporting agency to verify with the Social Security Administration that the consumer's Social Security number belongs to the consumer. Provides that in fulfilling a search request, a consumer reporting agency shall: (1) verify with the Social Security Administration that the Social Security number supplied by the consumer belongs to the consumer; (2) conduct a search of all files maintained by the consumer reporting agency to determine if the consumer's Social Security number is associated with one or more files not associated with the consumer; and (3) if the search indicates that the consumer's Social Security number is associated with any files not associated with the consumer, provide information as to: (A) the number of such files; and (B) each person that procured a consumer report in connection with those files during the one year period immediately preceding the date of the consumer's search request. Prohibits a consumer reporting agency from: (1) charging a consumer an additional fee in connection with a search request; (2) increasing any fee lawfully imposed in connection with the consumer's request for information in the consumer's file because that request includes a search request; or (3) charging a consumer a fee in connection with the consumer's request for information in the consumer's file because that request includes a search request, if the consumer is entitled under the federal Fair Credit Reporting Act to receive the information in the consumer's file without charge.
AI Summary
This bill establishes a new legal framework for Social Security number (SSN) search requests in Indiana, specifically targeting nationwide consumer reporting agencies. After December 31, 2025, these agencies will be required to fulfill SSN search requests from Indiana consumers, provided the consumer has a file with the agency and submits proper identification and written consent. When processing such a request, the agency must verify the SSN with the Social Security Administration and search their files to determine if the SSN is associated with any files not belonging to the consumer. If other files are found, the agency must disclose the number of such files and provide details about each entity that obtained a consumer report related to those files during the previous year. The bill prohibits consumer reporting agencies from charging additional fees for these SSN search requests or increasing existing fees when a consumer includes such a request. The legislation defines key terms like "consumer," "consumer report," and "consumer reporting agency" and applies to agencies that compile and maintain consumer files nationwide. The bill is designed to help consumers identify potential identity theft or unauthorized use of their Social Security number by providing a structured mechanism for checking file associations.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
First reading: referred to Committee on Financial Institutions (on 01/21/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://iga.in.gov/legislative/2025/bills/house/1570/details |
| BillText | https://iga.in.gov/pdf-documents/124/2025/house/bills/HB1570/HB1570.01.INTR.pdf |
| Fiscal Note #1: Introduced | https://iga.in.gov/pdf-documents/124/2025/house/bills/HB1570/fiscal-notes/HB1570.01.INTR.FN001.pdf |
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