16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00095

Submission Number:
545091-00095
Commenter:
Ms. Susan Farrington
State:
NC
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

I responded to a suggested site, promising the FREE credit report to which I was entitled. Recently, my online bank statement carried the following unexpected charge, dated Oct. 8, 2009: CREDITREPORT.COM 866-8833309 CA 1390 CHKCD PURCH $14.95 In a letter dated Oct. 6, 2009, from Carolina Mammography Registry at UNC-Chapel Hill Department of Radiology, I have been informed that my personal information was targeted in a computer hacking incident in 2007. It suggests that, as a precaution against identity theft, I should immediately place a fraud alert witth Equifax, Experian, or TransUnion. The letter further states: "All three bureaus will then send a credit report to you, free of charge." I am pleased that the misleading representations, such as the one I encountered, will now be made public. Susan Farrington