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

Louisiana Security Freeze Process

You have a right to place a “security freeze” on your credit report, which will prohibit us from releasing any information in your credit report without your express authorization, except to those with whom you have 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. Your information also 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.

There is no fee for placing or removing a security freeze on a credit report.

To request a security freeze, log on to www.experian.com/freeze or send all of the following via certified mail to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013: full name, with middle initial and generation, such as JR, SR, II, III, etc.; current mailing address and previous addresses for the past two years; Social Security number; and date of birth (month, day and year). In addition, enclose one copy of a government issued identification card, such as a driver’s license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent).  To protect your personal identification information, Experian does not return correspondence sent to us. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number (PIN) that will be required in order to remove the freeze temporarily (in order to apply for credit or for any transaction that requires that another party access your personal credit report) or permanently.

To temporarily remove a security freeze for a period of time in order to apply for credit or for any transaction that requires that another party access your personal credit report, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and PIN, and select the number of days that you wish the freeze to be removed. To temporarily remove a security freeze for a specific party, provide your PIN to the party you wish to grant access to your report.

To permanently remove a security freeze, log on to www.experian.com/freeze 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.

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.

In addition, a protected consumer according to Louisiana state law is a consumer under 16 years of age at the time of the request or an interdicted person for whom a curator has been appointed or an incapacitated person or protected 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, or a lawfully executed and valid power of attorney, or a written notarized statement signed by the representative that expressly describes the authority of the representative to act on behalf of the protected consumer.

In order for a protected consumer to remove a security freeze, the protected consumer must provide proof that a representative no longer has authority over the protected person and that they have reached the age of 16 or are no longer incapacitated.

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.