consumer reporting agency, who willfully or negligently fails to comply with the Federal law on security freezes (section 605C of the Fair Credit Reporting Act). A consumer reporting agency has the right to charge you up to Five Dollars ($5.00) to place a security freeze, up to Five Dollars ($5.00) to temporarily lift a security freeze, and up to Five Dollars ($5.00) to remove a security freeze. However, you shall not be charged any fee if you are a victim of identity theft who has submitted, at the time the security freeze is requested, a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person, or if you are a minor or sixty-five (65) years of age or older for the initial placement and removal of a security freeze. . (j) National protections for files and credit records of protected consumers (1) Definitions As used in this subsection: (A) The term consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. (B) The term protected consumer means an individual who is— (i) under the age of 16 years at the time a request for the placement of a security freeze is made