Fraud & Identity Theft » Security Freeze » Indiana Security Freeze Process

Indiana Security Freeze Process

Consumers in your state have a right to place a “security freeze” on their credit reports, which will prohibit a national consumer credit reporting company from releasing any information in their credit report without the consumer’s express authorization, except to those with whom the consumer has an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases, and account upgrades and enhancements) or collecting the account. A consumer’s information may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

To request a security freeze, visit, call 1 888 EXPERIAN (1 888 397 3742) or send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013, or by overnight mail to Experian, 701 Experian Parkway, Allen, TX 75013. You may also submit your request or documents supporting your claim electronically at

Be sure to include the following information:

  • Your full name including middle initial (and generation such as JR, SR, II, III)
  • Social Security number
  • Complete addresses for the past two years
  • Date of birth
  • One copy of a government issued identification card, such as a driver’s license, state ID card, etc.
  • One copy of a utility bill, bank or insurance statement, etc.

Make sure that each copy is legible and displays your name and current mailing address and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. There is no fee for placing a security freeze. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents.

We will mail you a letter confirming that we have added your security freeze, along with a personal identification number (PIN) that will be required to temporarily lift or to remove the freeze. You may request in writing a replacement PIN by submitting all of the information required for the initial security freeze.

If you would like to create a single-use personal identification number to be used by a certain credit grantor, visit

If you move to a new address and wish to keep the security freeze on your file, submit your request in writing and include all of your personal identification information and proof of your new address as specified in this letter.

To temporarily remove a security freeze for a specific party, provide your single-use PIN to the party you wish to grant access to your report. To temporarily remove a security freeze for a period of time to apply for credit or for any transaction that requires that another party access your credit report, visit, call 1 888 EXPERIAN (1 888 397 3742) and enter your identification information and PIN or write to us and provide all of your personal identification information and proof of your address as specified in this letter. There is no fee for temporarily removing a security freeze.

To permanently remove a security freeze, visit or call 1 888 EXPERIAN (1 888 397 3742). You also may write to us and provide your identification information and PIN. If you write to us, always include all of your personal identification information and proof of your address as specified in this letter. A freeze must be removed within three days after we receive the request. There is no fee for permanently removing a security freeze.

In addition, a protected consumer according to Indiana state law is a consumer under 16 years of age at the time of the request or an incapacitated person for whom a guardian or conservator has been appointed.

To request a security freeze for a protected consumer in your care, submit all of the above information for both you and the protected consumer. If the protected consumer is under the age of 16, please include a copy of the minor’s birth certificate and a copy of the minor’s Social Security card. Once we have received your request and all of the required information for both you and the minor, a freeze will be placed on the minor’s credit file. If a credit file for the minor does not currently exist, a file for the minor will be created. Experian does not knowingly maintain credit information on minors. If you are the minor’s guardian, be sure to include a copy of the operator’s license, court document naming you as the guardian or other appropriate court appointed documents. If the protected consumer has been appointed a guardian or conservator, please include a signed court document indicating conservatorship or guardianship, etc.

Once all of the required information is received, we will place or remove a security freeze on the protected consumer’s credit file within 30 days. There is no fee to place or remove a freeze on a protected consumer in Indiana.

Notification of Rights for Indiana Consumers