Credit reporting agency duties, security alerts, and security freezes

Gives Louisiana consumers rights to copies of their credit reports, to dispute inaccurate items with a 45-day investigation deadline, to place free 90-day security alerts, and to place free security freezes that credit bureaus must apply within set deadlines. A separate section lets parents and guardians freeze the credit file of a child under 16 or an incapacitated person, including creating a file for that purpose.