16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00321

Submission Number:
545091-00321
Commenter:
Mr David Kinsman
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

This summer I called to receive my free credit reports from the "big 3" credit reporting companies. While attempting to manuever my way around the website, I was constantly redirected to a page trying to sell me a monitoring subscription. I finally was able to get the reports, but despite being careful not to subscribe to their service, I was billed on my credit card. I called the company and demanded a refund and was told that I had subscribed and wouldn't be getting a refund. I told them I would dispute the charge on my credit card and call the Maine AG Consumer Protection Bureau. There was then some discussion in the background and I was told they would give me a credit for the charge to my card. I did file a complaint with the Maine AG's office, but never heard back from then. Thank you for looking into this.