Are you referring to a freeze or to a fraud alert?
Only fraud alerts are covered under the FCRA.
Freezes are separate, and their provisions vary based on their source.......
Thank you for commenting RobertEG.
I’m talking about security freezes, maybe I misstated the legal source?
From the FTC.
Companies such as EWS, ChexSystems, Certegy, and Telecheck are major check verification companies, not credit reporting agencies. As they do not affect your credit per se, I don't think they are covered by the FCRA.
Before Congress stepped in and required CRAs to offer Security Freezes post-Equifax breach, it was up to the individual state legislatures to regulate security freezes if they had them at all.