16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00560

Submission Number:
545091-00560
Commenter:
Ms Ruth Smith
Organization:
None
State:
CA
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 have sometimes been able to access Annual Credit Reports without difficultiy. TransUnion required me to open an accout. When I got in the middle of the form and declined to do so, I could no longer access my credit history because they said I already had my annual report, even tho I had not received it because I wouldn't set up the account. A consumer should not have to open any kind of accout in order to receive the Annual Credit report and the web sites should make clear that the advertized "Free Credit Report" is NOT the Federally mandated Annual Credit Report. Thank you. Ruth E. Smith