16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00236

Submission Number:
545091-00236
Commenter:
Howard
Organization:
individual
State:
VA
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

You should remove all of the advertising and marketing by the credit bureaus before, during and after the process of getting a credit report. Another similar issue: Twice within the last 5 or so years, companies that I do business with, and which have my credit card and/or financial information, experienced security breaches. As a result, to " respond to the breach" they "gave" me "free" credit notification service for some period of time. Unsolicited. This dubious "service" was unintelligible as a notification and the occasional emails from these services seemed to me to be nothing more than a solicitation of further credit reports and credit insurance, something that ordinarily I would not let into my email box. I suspect that the offending companieswho were breached (TJMaxx and Goldman Sachs) paid little for this annoying service. Heck, they may have been paid for their email lists.... But I know that I felt that there was no benefit to me from this supposed help. I would like you to prevent companies from giving their email lists to credit reporting companies under these circumstances. I think that there should be some regulation as to what companies should be required to do if a breach does occur. I would not be surprised if they actually made money off of those of us whose identities were exposed by the theft. I can't believe that they actually paid for that ridiculous "notification" service.) You have a lot of work to do. Help us out.