16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00578

Submission Number:
545091-00578
Commenter:
Doucet
State:
LA
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

Please add more amendments to the proposed rule. The FTC "Annual Credit Report" site also allows these 3 major credit bureau to send credit reports out to consumers although a consumer may request a report from only one. Apparently the other 2 major credit bureaus want a consumer to have their reports so that a consumer can't receive a report for another year without paying for it. I requested a report from the FTC "Annual Credit Report" site and requested a report from only 1 credit bureau, which I downloaded and printed. Low and behold I received in the postal mail several days later reports from the other 2 credit bureaus. Apparently the other 2 credit bureaus used the information from the FTC site to send me their reports. Now I will have to wait a year to get a free report from any of the 3 credit bureaus unless I pay for it. Please amend the proposals to see that this will not happen to another consumer.