1. Short title This Act may be cited as the Freedom from Equifax Exploitation Act . 2. Definition of credit freeze Section 603(q) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(q) ) is amended by adding at the end the following: (6) Credit freeze (A) In general The term credit freeze means a restriction placed at the request of a consumer or a personal representative of the consumer, on the consumer report of the consumer, that prohibits a consumer reporting agency from releasing the consumer report for a purpose relating to the extension of credit without the express authorization of the consumer. (B) Exception A credit freeze shall not apply to the use of a consumer report by any of the following: (i) A person, or the subsidiary, affiliate, agent, subcontractor, or assignee of the person, with whom the consumer has, or prior to assignment had, an account, contract, or debtor-creditor relationship for the purposes of reviewing the active account or collecting the financial obligation owed on the account, contract, or debt. (ii) A person, or the subsidiary, affiliate, agent, subcontractor, or assignee of the person, to whom access has been granted pursuant to a request by the consumer described under section 605A(i)(1)(B), for purposes of facilitating the extension of credit or other permissible use. (iii) Any person acting pursuant to a court order, warrant, or subpoena. (iv) A Federal, State, or local government, or an agent or assignee thereof. (v) Any person for the sole purpose of providing a credit monitoring or identity theft protection service to which the consumer has subscribed. (vi) Any person for the purpose of providing a consumer with a copy of the consumer report or credit score of the consumer upon request by the consumer. (vii) Any person or entity for insurance purposes, including use in setting or adjusting a rate, adjusting a claim, or underwriting. (viii) Any person acting pursuant to an authorization from a consumer to use their consumer report for employment purposes. . 3. Enhancement