California consumers can’t “freeze” their credit reports

The California 2nd District Court of Appeal has upheld a lower court which ruled that consumers could not restrict the release of the portion of their credit reports that were drawn from public records. Information on tax liens, bankruptcies, court judgments and unlawful detainer actions are included with the financial activity statement issued by the credit bureaus. The decision renders unconstitutional California Civil Code section 1785.11.2 in regard to information that is truthful and which is culled from public records.

Reported by the California First Amendment Coalition, the case is U.D. Registry, Inc. v. State of California, Nos. B179653, B186012 (Oct. 3, 2006).

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