Assemble a security-freeze or fraud-alert request for a consumer report

Key facts

Human involvement: YellowClose supervision
How AI is used: Record which of the three bureaus the consumer will contact, whether the request is a security freeze, an initial fraud alert, an extended fraud alert, or an active-duty alert, and the document that supports an extended alert. Do not call this an Australian credit ban.
What the lawyer must review: The FTC page says anyone can place a credit freeze, for any reason, at no cost, and that a freeze lasts until the consumer lifts it. While it is in place, nobody, including the consumer, can open a new credit account in that name. An initial fraud alert tells businesses to check with the consumer before opening a new account, lasts one year, and can be renewed. An extended fraud alert lasts seven years and is for a person who has experienced identity theft and completed an FTC identity theft report or filed a police report. 15 U.S.C. § 1681c-1 defines a security freeze as a restriction that prohibits the consumer reporting agency from disclosing the contents of a consumer report that is subject to the freeze, and it requires the agency, after a direct request and proper identification, to place the freeze. The same section covers fraud alerts and active-duty alerts.
Written for / version: United States versionUS

Who does what

Who does what
Role	What they do
Assistance	Do not begin AI assistance until the responsible lawyer has defined and confirmed its permitted scope.
Lawyer	Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output.

Check the current court or regulator requirements, prescribed form and attachments for the intended document and filing.
Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.