Consumer Reporting Agency Security Freeze Minors

Section 2 of the bill authorizes a parent or legal guardian (representative) to request that a consumer reporting agency place a security freeze on the consumer report of either a minor less than 16 years of age or another individual who is a ward of the representative (protected consumer). If the consumer reporting agency does not yet have a consumer report for the protected consumer at the time that a security freeze is requested, the consumer reporting agency, if requested in writing by the representative, is required to create a consumer record for the protected consumer and place a security freeze on the consumer record. The protected consumer's representative may request that the…