---
title: "Assemble a security-freeze or fraud-alert request for a consumer report"
url: "https://ailawframework.com/practice/privacy-data-protection-and-cyber/assemble-a-consumer-credit-ban-request-and-extension-record/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A25-QU20261022-1-US"
practice_area: "Privacy, Data Protection & Cyber"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

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

> 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…

Canonical page: https://ailawframework.com/practice/privacy-data-protection-and-cyber/assemble-a-consumer-credit-ban-request-and-extension-record/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Privacy, Data Protection & Cyber](https://ailawframework.com/practice/privacy-data-protection-and-cyber.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| 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 | United States |
| Applies to | [Assemble a consumer credit ban request and extension record](https://ailawframework.com/practice/privacy-data-protection-and-cyber/assemble-a-consumer-credit-ban-request-and-extension-record.md) |

## Checking plan

- What the AI does: 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.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- A freeze is not a ban on listing defaults. It restricts disclosure of the report so that new credit is harder to open.
- The FTC page says a parent of a child under 16 can request a free credit freeze for that child, and that the process differs from an adult freeze.

## Sources

- [FTC: Credit freezes and fraud alerts](https://consumer.ftc.gov/articles/what-know-about-credit-freezes-and-fraud-alerts) (checked 2026-10-22)
- [15 U.S. Code § 1681c-1 - Identity theft prevention; fraud alerts and active duty alerts](https://www.law.cornell.edu/uscode/text/15/1681c-1) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*