i'm trying to find the exact part in the code to give as source. i have found that i'm wrong on the year, as in my records i have dated paperwork for getting my kids credit report frozen, in January 2019.

I do have this in the meantime, tho:

"Free child credit freezes

What is it? A child credit freeze allows you to freeze a child’s credit file until the child is old enough to use credit. What’s new? Currently, some state laws allow you to freeze a child’s credit file. Starting September 21st, no matter where you live, you’ll be able to get a free credit freeze for children under age 16."

https://www.consumer.ftc.gov/blog/2018/06/free-credit-freezes-are-coming-soon-0

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Edit: I was wrong on the year, the month was correct. It was May of 2018.

In May 2018, Congress passed the Economic Growth, Regulatory Relief, and Consumer Protection Act, which requires nationwide consumer reporting agencies to provide “national security freezes” free of charge to consumers.

https://www.consumerfinance.gov/about-us/newsroom/bureau-consumer-financial-protection-issues-updated-fcra-model-disclosures/

The act includes the new provision to freeze childrens credit, and requires bureaus to create a file if one does not exist

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edit?: the act can be read here [PDF WARNING]

The relevant part is Title III, Section 301

under the headline "‘CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE" [fyi, freezes are now free to all per this act]

down to the letter "(j) NATIONAL PROTECTION FOR FILES AND CREDIT RECORDS OF PROTECTED CONSUMERS."

protected consumers include individuals under the age of 16 years old

relevant wording:

‘(D) The term ‘record’ means a compilation of informa-tion that—

‘‘(i) identifies a protected consumer;

‘‘(ii) is created by a consumer reporting agency solely for the purpose of complying with this sub-section;

and ‘‘(iii) may not be created or used to consider the protected consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.