with a copy of the consumer report, credit score, or educational credit score of the consumer upon the consumer's request. (G) Any person or entity for insurance purposes, including use in setting or adjusting a rate, adjusting a claim, or underwriting. (H) Any person acting pursuant to an authorization from a consumer to use their consumer report for employment purposes. . 803. Credit freezes for minors and other vulnerable consumers (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 406, is further amended by inserting after section 605F the following new section: 605G. Additional protections for files and credit records of vulnerable consumers (a) In general A consumer reporting agency described in section 603(p) shall, upon request by a covered representative of a covered consumer— (1) create a credit record for a verified covered consumer and place or remove a covered consumer credit freeze on such credit record