|Received:||10/20/2004 12:29:05 PM|
|Agency:||Federal Trade Commission|
|Rule:||Prescreen Opt-Out Disclosure|
Comments:1) Notices on any solicitation should be required to include the name of the particular credit bureau or other agency from which a name and address was obtained for that particular direct mailing. 2) Agencies providing names and addresses for direct mail solicitations should be required to acknowledge in writing when they have received a request to opt out of unsolicited offers. Until these two provisions are implemented, opting out (no matter how well the consumer understands his or her rights or the process of opting out) will continue to be a hit or miss, and often futile action. As it stands, when an opt out request is ignored the consumer has no way to know who the violater is, and no way to prove an opt out was request was made. If a consumer has to take the time and make the effort to call or write an agency to get them to stop abusing that consumer's privacy the least that the agency can do is acknowledge receipt of the request and confirm that the request will be honored. And when a direct mailer sends unsolicted mail to someone who has already opted out, a notice merely describing how to opt out is an ironic frustration. We need to know where that direct mailer got our name and address for that mailing so we know who the offender is. Otherwise this whole law is a charade.