|Received:||4/14/2004 8:00:00 AM|
|Agency:||Federal Trade Commission|
|Rule:||FACTA Free Reports Proposed Rule|
Comments:Twice, I have had to jump through hoops to get errors in my credit report, serious errors, fixed. Both times, these errors were the result of carelessness on the part of the credit bureau. The most recent, and most serious, error was made despite the fact that there was a note, on my report, warning that I not be confused with someone with a similar name and a similar social security number. I absolutely think that if the credit bureaus are going dispense personal financial information, they should make every effort to see that the information is accurate. I guarantee you, they do not. Knowing you have an absolutely unimpeachable credit history and then being told you do not, is not the kind of surprise one wants. Consumers need to regularly check the accuracy of their credit reports. And we certainly should not have to pay the credit bureaus for the "privilidge" of taking personal financial responsibility. I would also implore that one further step be taken. The three major credit bureaus should make it a LOT easier for consumers to communicate with them, particularly if they are trying to get an error resolved. It is an extremely frustrating process. One thing that would help enormously is to make it mandatory that anyone calling a credit bureau's toll-free number be given an option to speak to a human being - someone with the actual capacity to help them.