Terms Used In Utah Code 13-45-506

• Consumer: means an individual who is not a protected consumer. See Utah Code 13-45-102
• Consumer reporting agency: means a person who, for fees, dues, or on a cooperative basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a credit report to another person. See Utah Code 13-45-102
• File: is a s defined in Utah Code 13-45-102
• Fraud: Intentional deception resulting in injury to another.
• Protected consumer: means an individual who, at the time a request for a security freeze is made, is:
       (10)(a) less than 16 years of age;
       (10)(b) an incapacitated person; or
       (10)(c) a protected person. See Utah Code 13-45-102
• Representative: means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. See Utah Code 13-45-102
• security freeze: means :
  (1) if a consumer reporting agency does not have a file that pertains to a protected consumer, a restriction that:

       (1)(a) is placed on the protected consumer's record in accordance with this part; and

       (1)(b) except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer's record; or
  (2) if a consumer reporting agency has a file that pertains to the protected consumer, a restriction that:

       (2)(a) is placed on the protected consumer's credit report in accordance with this part; and

       (2)(b) except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer's credit report or any information derived from the protected consumer's credit report. See Utah Code 13-45-502