16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00141

Submission Number:
545091-00141
Commenter:
Sharon Landry
State:
ME
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 was one of the many persons who went to an imposter site (creditreport.com) when trying to access my free credit report. I thought this was the legitimate site which would provide me with a free credit report under the federal law. The online form required I provide credit card info, but the site specifically stated the credit card would not be charged. I did receive a credit report and my credit score. Since I knew that the free report does not include the credit score I contacted creditreport.com immediately via email and told them I had only wanted the free credit report provided under federal law, and did not authorize any other services. However, my credit card was charged monthly for the "monitoring service", even after 4 emails, and a response from them that stating they would not charge me in the future (but would not refund any of the charges they already made). This is an incredibly deceptive practice, since this vendor knows that people were clicking on their site only to get the free report. Their site had nothing that would raise a red flag, and gave no indication that this was not the site sanctioned by the federal govt. The next year I went to the correct site, but was surprised to see icons for the different credit bureaus, and ads for them. People are on that site to get a free credit rept -- why is the site littered with links and so confusing? The site should be clean and streamlined to prevent customers from being directed off the annualcreditrpt site. Once the customer receives the rept the site could then display the credit bureau icons for additional services. AND it should be clearly stated that those services are not part of the free credit report and that charges will apply.