16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00513

Submission Number:
545091-00513
Commenter:
Mr. Evan Julber
State:
OR
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

Without a doubt, the "free" credit reports at issue here are very deceptive. A few years ago, when "free" reporting was required, I fell for the "freecreditreport.com" scam. I was deceptively led into providing my credit card number (falsely understanding that it was needed to prove identity) and then received multiple billings on my credit card from the "service" provider. Removing the charges from my credit card proved as easy as pulling teeth. I ended up having to dispute the charges with my credit card company and ultimately, had to have the credit card reissued with a different number to stop the fraudulent charges. Why is the FTC only now taking action on this? It should have been done years ago to stop the deception and resulting frustration that these firms have heaped onto a trusting American public. Evan Julber Oregon