1. (a) A third party that requests a consumer's consumer report in connection with an application by the consumer for credit shall treat the application for credit as incomplete if:

   1. (1) a security freeze has been placed on the consumer's consumer report;
   2. (2) the consumer has not authorized the release of the consumer's consumer report under section 7 of this chapter; and
   3. (3) the consumer reporting agency refuses to release the consumer report to the third party based on subdivisions (1) and (2).
2. (b) A consumer reporting agency that refuses under subsection (a)(3) to release a consumer report shall notify the third party requesting the consumer report of the existence of a security freeze as the basis for the refusal to release the consumer report to the third party.

3. (c) A consumer reporting agency shall not:

   1. (1) state; or

   2. (2) otherwise imply;

      to a third party that the consumer's security freeze under this chapter reflects a negative credit score, history, report, or rating.

As added by P.L.104-2007, SEC.1.