by the consumer reporting agency pur-
suant to paragraph (2)(D)(ii). 
‘‘(5) PROPER
IDENTIFICATION
REQUIRED.—A 
consumer reporting agency shall require proper iden-
tification of any person who makes a request to im-
pose, temporarily lift, or permanently remove a secu-
rity freeze on the credit report of any consumer under 
this section. 
‘‘(6) THIRD PARTY REQUESTS.—If— 
‘‘(A) a third party requests access to a con-
sumer’s credit report on which a security freeze 
is in effect under this section in connection with 
an application by the consumer for credit or any 
other use; and 
‘‘(B) the consumer does not allow the con-
sumer’s credit report to be accessed by that spe-
cific party or during the specific period such ap-
plication is pending, 
the third party may treat the application as incom-
plete. 
‘‘(7) CERTAIN ENTITY EXEMPTIONS.— 
‘‘(A) AGGREGATORS
AND
OTHER
AGEN-
CIES.—This subsection shall not apply to a con-
sumer reporting agency that acts only as a re-
seller of credit information by assembling and 
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merging information contained in the database 
of another consumer reporting agency or mul-
tiple consumer reporting agencies, and does not 
maintain a permanent database of credit infor-
mation from which new credit reports are pro-
duced. 
‘‘(B) OTHER
EXEMPTED
ENTITIES.—The 
following entities shall not be required to place 
a security freeze in a credit report: 
‘‘(i) An entity which provides check 
verification or fraud prevention services, in-
cluding but not limited to, reports on inci-
dents of fraud, verification or authentica-
tion of a consumer’s identification, or au-
thorizations for the purpose of approving or 
processing negotiable instruments, electronic 
funds transfers, or similar methods of pay-
ments. 
‘‘(ii) A deposit account information 
service company, which issues reports re-
garding account closures due to fraud, sub-
stantial overdrafts, automated teller ma-
chine abuse, or similar negative informa-
tion regarding a consumer, to inquiring 
banks or other financial institutions for use 
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only in reviewing a consumer request for a 
deposit account at the inquiring bank or 
other financial institution. 
‘‘(8) EXCEPTIONS.—This subsection shall not 
apply with respect to the use of a consumer credit re-
port by any of the following for the purpose described: 
‘‘(A) A person, or any affiliate, agent, or 
assignee of any person, with whom the consumer 
has or, prior to an assignment, had an account, 
contract, or debtor-creditor relationship for the 
purposes of reviewing the account or collecting 
the financial obligation owing for the account, 
contract, or debt. 
‘‘(B) An affiliate, agent, assignee, or pro-
spective assignee of a person to whom access has 
been granted under paragraph (3) for purposes 
of facilitating the extension of credit or other 
permissible use of the report in accordance with 
the consumer’s request under such paragraph. 
‘‘(C) Any State or local agency, law enforce-
ment agency, trial court, or person acting pursu-
ant to a court order, warrant, or subpoena. 
‘‘(D) A Federal, State, or local agency that 
administers a program for establishing an en-
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forcing child support obligations for the purpose 
of administering such program. 
‘‘(E) A Federal, State, or local health agen-
cy, or any agent or assignee of such agency, act-
ing to investigate fraud within the jurisdiction 
of such agency. 
‘‘(F) A Federal, State, or local tax agency, 
or any agent or assignee of such agency, acting 
to investigate or collect delinquent taxes or un-
paid court orders or to fulfill any of other statu-
tory responsibility of such agency. 
‘‘(G) Any person that intends to use the in-
formation in accordance with section 604(c). 
‘‘(H) Any person administering a credit file 
monitoring subscription or similar service to 
which the consumer has subscribed. 
‘‘(I) Any person for the purpose of pro-
viding a consumer with a copy of the credit re-
port or credit score of the consumer upon the 
consumer’s request. 
‘‘(9) PROHIBITION ON FEE.—A consumer report-
ing agency may not impose a fee for placing, remov-
ing, or removing for a specific party or parties a se-
curity freeze on a credit report. 
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‘‘(10) NOTICE OF RIGHTS.—At any time that a 
consumer is required to receive a summary of rights 
required under section 609(c)(1) or 609(d)(1) the fol-
lowing notice shall be included: 
‘‘ ‘Consumers Who Are Victims of Identity 
Theft Have the Right to Obtain a Security 
Freeze on Your Consumer Report 
‘‘ ‘You may obtain a security freeze on your 
consumer credit report at no charge if you are 
a victim of identity theft and you submit a copy 
of an identity theft report you have filed with a 
law enforcement agency about unlawful use of 
your personal information by another person. 
‘‘ ‘The security freeze will prohibit a credit 
reporting agency from releasing any information 
in your consumer credit report without your ex-
press authorization. A security freeze must be re-
quested in writing by certified mail. 
‘‘ ‘The security freeze is designed to prevent 
credit, loans, and services from being approved 
in your name without your consent. However, 
you should be aware that using a security freeze 
to take control over who gains access to the per-
sonal and financial information in your con-
sumer credit report may delay, interfere with, or 
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