|Received:||4/14/2006 8:00:03 PM|
|Subject:||Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies|
|Title:||Advance Notice of Proposed Rulemaking|
|CFR Citation:||16 CFR Parts 660 and 661|
Comments:For over three years Equifax provided erroneous information to those asking for my wife's credit information because they had an incorrect social security number on file and would not fix the problem. This caused delays in opening an IRA and other accounts. Equifax first told my wife when she requested a free copy of her credit report that: REASON A "information you provided as proof of your identity does not mach your information currently on file." After she sent them the required information a second time, they replied that: REASON B "We were unable to locate a credit file." It took a total of 5 letters to Equifax and the FTC to get this matter resolved, and at no time did they admit their error nor did they provide a way for my wife to speak so someone that could correct the problem The three credit agencies must provide a tool free number where consumers can call if they are not able to get into the system. Presently, Equifax will not provide a tool free number until is has provide you with a Confirmation Number, and in my wife's case, they refused to provide such a number because or REASONS A and B above. I was finally able to get an Equifax representative on the phone by providing my Confirmation Number.