In this subchapter:
(1) “Protected consumer” means an individual who resides in this state and is younger than 16 years of age at the time a request for the placement of a security freeze is made.
(2) “Record,” with respect to a protected consumer, means a compilation of information identifying a protected consumer created by a consumer reporting agency solely to comply with this subchapter.
(3) “Representative” means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.
(4) “Security freeze,” with respect to a protected consumer, means:
(A) if a consumer reporting agency does not have a consumer file pertaining to the protected consumer, a restriction that:
(i) is placed on the protected consumer’s record in accordance with this subchapter; and
(ii) prohibits a consumer reporting agency from releasing a consumer report relating to the extension of credit involving the consumer’s record without the express authorization of the consumer’s representative or the consumer, as applicable; or
(B) if a consumer reporting agency has a consumer file pertaining to the protected consumer, a restriction that:
(i) is placed on the protected consumer’s consumer report in accordance with this subchapter; and
(ii) except as otherwise provided by this subchapter, prohibits a consumer reporting agency from releasing the protected consumer’s consumer report relating to the extension of credit involving that consumer file, or any information derived from the protected consumer’s consumer report.