16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00458

Submission Number:
545091-00458
Commenter:
Mr. Bernard Stea
State:
WA
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

Equifax made an error on my credit history, and I was unable to get a credit score, even though I have a score around 760. To get a copy of my free credit report, I was directed to a sales person who told me I could sign up for a trial membership and then cancel it. I did that, but discovered that I had also been enrolled, against my consent, in another program called Privacy Matters Identity. I discovered after they withdrew two payments of $29.95 for a service I did not enroll in. They refunded my money, but it underscored some of the deceptive activities out there. No one should have to enroll in anything to get a credit report or score - and we should be able to get all three every quarter, because they often report different things and have erroneous information. Also, the process for filing for a correction should be much easier and available online. I have tried to do that, and each time the web site said it could not complete the request. I was forced to compose and send a regular letter, an added expense and use of resources. Each credit bureau should be required to a maintain web access that allows consumers to challenge erroneous information by filing online. Thank you.