16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00538

Submission Number:
545091-00538
Commenter:
Shirley Barborak
State:
NC
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

Because I placed a security freeze on my credit files to further protect them, I cannot get the annual free credit report online from Equifax to which I am entitled. I can get it via mail, but I have to mail Equifax a copy of my social security card and a utility bill showing my address in order to receive the report. I feel mailing my social security number to them is itself a security risk. Both Experion and Transunion allow me to request the free annual report online despite the security free. I feel that Equifax should also provide a means for those of us with a security freeze to also be able to obtain our annual report securely.