"Protected persons security freeze." Either of the
following:
(1) I f a consumer reporting agency does not have a file
pertaining to a protected person, a restriction that:
(i) Is placed on the protected person's record in
accordance with section 10.1.
(ii) Prohibits the consumer reporting agency from
releasing the protected person's record except as
provided in section 10.1.
(2) If a consumer reporting agency has a file pertaining
to a protected person, a restriction that:
(i) Is placed on the protected person's consumer
report in accordance with section 10.1.
(ii) Prohibits the consumer reporting agency from
releasing the protected person's consumer report or any
information derived from the protected person's consumer
report except as provided in section 10.1.
"Record." A compilation of information that:
(1) Identifies a protected person.
(2) Is created by a consumer reporting agency solely for
the purpose of complying with section 10.1.
(3) May not be created or used to consider the protected
person's credit worthiness, credit standing, credit capacity,
character, general reputation, personal characteristics or
mode of living for any purpose listed in the Fair Credit
Reporting Act (Public Law 91-508, 15 U.S.C. ยง 1681b).
"Representative." A person providing to a consumer reporting
agency sufficient proof of authority to act on behalf of a
protected person.
"Security freeze." A notice placed on a consumer report, at
the request of the consumer and subject to certain exceptions,
that prohibits a consumer reporting agency from releasing the
consumer report without the express authorization of the
consumer.
"Sufficient proof of authority." Documentation showing that
a representative has authority to act on behalf of a protected
person, including, but not limited to, any of the following:
(1) A n order issued by a court of law.
(2) A lawfully executed and valid power of attorney.
(3) A written and notarized statement signed by the
representative that expressly describes the authority of the
representative to act on behalf of the protected person.
"Sufficient proof of identification." Information or
documentation that identifies a protected person or a
representative, including, but not limited to, any of the
following:
(1) A Social Security number or a copy of a Social
Security card issued by the Social Security Administration.
(2) A certified or official copy of a birth certificate
issued by the entity authorized to issue the birth
certificate.
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