A consumer reporting agency shall place a security freeze for a protected consumer if the agency receives a request from the protected consumer's representative for the placement of the security freeze under this section and the protected consumer's representative:
(1) Submits the request to the agency in the manner specified by the agency;
(2) Provides to the agency sufficient proof of identification of the protected consumer and the representative;
(3) Provides to the agency sufficient proof of authority to act on behalf of the protected consumer; and
(4) Pays to the agency a fee as provided in § 54-16-9.
If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under this section, the consumer reporting agency shall create a record for the protected consumer.