16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00348

Submission Number:
545091-00348
Commenter:
Mrs. Leslie Kanfer
State:
FL
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 went to the "Free Credit" report site affiliated with Equifax and created a new account in the hopes of obtaining all (3) scores and determining my eligibility for a mortgage. They asked for a credit card, but stated it would not be charged for 14 days - they in fact charged the $ 14.95 for enrolling immediately and charged $ 24.95 for all 3 reports. When I actually attempted to view all (3) reports, I was told my identity could not be "validated". Turns our transunion has had a secondary SSN on my report for the past 2 months - it is one digit off from my actual SSN. It took 4 weeks and the help of my bank to have the money refunded as I did not receive all 3 credit reports - still fighting with Transunion to have the issues corrected - apparently no one can pull my credit now.