16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00320

Submission Number:
545091-00320
Commenter:
Mr. James Barlow
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

This is not about deceptive advertising but is about access in general. On two separate occasions, I tried to get a free credit report online and failed. I followed the procedures correctly, however, for unknown reasons, the session was discontinued before I received the credit report. I followed the procedures again but was denied for the reason that I had already received my free report for that year. In other words, the annual credit report website counted the failed session as my one free credit report. I waited another year to try again, and a similar thing happened. Due to some sort of communication failure, the session ended before I received the free credit report, and I was denied when I tried again. I use a reliable internet connection, and I use the internet often without troubles, so the fault was not at my end. There should be a verification step to determine whether the credit report was actually received.