Not sure the relevance. You agree to data being collected every time you apply for a card, open a bank account, rent an apartment, etc. If you don't do any of t

Not sure the relevance. You agree to data being collected every time you apply for a card, open a bank account, rent an apartment, etc. If you don't do any of those things, you won't have a credit file, as far as I know, or if you do it will be based on public data (like your birth, perhaps). Freezing is not opting out of data collection, it's a control over who can get that data.