; or (ii) an incapacitated person or a protected person for whom a guardian or conservator has been appointed. (C) The term record means a compilation of information that— (i) identifies a protected consumer; (ii) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and (iii) may not be created or used to consider the protected consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. (D) The term representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. (E) The term security freeze means— (i) if a consumer reporting agency does not have a file pertaining to a protected consumer, a restriction that— (I) is placed on the protected consumer’s record in accordance with this subsection; and (II) prohibits the consumer reporting agency from releasing the protected consumer’s record except as provided in this subsection; or (ii) if a consumer reporting agency has a file pertaining to the protected consumer, a restriction that— (I) is placed on the protected consumer’s consumer report in accordance with this subsection; and (II) prohibits the consumer reporting agency from releasing the protected consumer’s consumer report except as provided in this subsection. (F) The term sufficient proof of authority means documentation that shows a representative has authority to act on behalf of a protected consumer and includes— (i) an order issued by a court of law; (ii) a lawfully executed and valid power of attorney