16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00224

Submission Number:
545091-00224
Commenter:
Mr. Sergio Schubert
State:
CA
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

remove ALL advertising/upselling require the landing page on fake sites advising "this is not the free credit report as required by law" Make it easier to get all 3 reports - I have tried on multiple occasions to pull all 3 of my reports only to have one of the sites tell me they can't verify my identity (when that wasn't an issue with the other 2) Why can't my identity be WELL verified once and have that information cascade down to all 3 report providers? It seems like the system is designed to be obtuse and frustrating on purpose to dissuade people from actually using it. And as unlikely as this is to ever change - I don't understand why the information is only available annually. Bi-annual or quarterly reports would give consumers better options to dispute incorrect information and/or track identity theft before massive damage can be done. Why is the American consumer constantly at the mercy of corporations (with the help of elected officials) when so little recourse is available to them? Corporations with lax data security procedures should be financially liable for the expense consumers must endure to correct those mistakes (see: Maine Supreme Court vs Hannaford and the TJX data security breech) As a consumer I am expected to keep track of my expenses and pay my bills on time - Why aren't corporations held to similar standards when they refuse to use readily available tools to protect my data? (hard drive encryption, secure networks, etc)