; or (ii) a request for the placement or removal of a security freeze is for a protected consumer who is under the age of sixteen years of age at the time of the request and the consumer reporting agency has a consumer report pertaining to the protected consumer. (9) Deletion of file or record created based on a material misrepresentation A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protected consumer’s representative. . III Credit rating agency use of social security numbers 301. Prohibition on the use of Social Security numbers (a) In general Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), as amended by title II, is amended by adding at the end the following: (k) Prohibition on the use of social security numbers A consumer reporting agency that compiles and maintains files on consumers on a nationwide basis— (1) may not make any consumer report containing a Social Security number; and (2) may not use the Social Security number of a consumer as a method to identify the consumer, or for any other purpose. . (b) Conforming amendment Section 609(a)(1) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g(a)(1) ) is amended by striking except that— and all that follows through (B) nothing and inserting except that nothing . (c) Effective date The amendments made by this section shall take effect on January 1, 2020.