16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01036

Submission Number:
545091-01036
Commenter:
Alexander
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

I strongly support the proposed amendments to the rules for free credit reports. I was recently notified by my bank that I had a credit card compromised but I am apparently not entitled to find out where and when this occurred, or what other personal data may be at risk. So while companies are making money off of my personal data, my rights to information about that data are limited. Dealing with identity theft is difficult enough without the added confusion of the current situation. The mish-mash of State laws dealing with things like Credit Freezes is also unacceptable and I'd like to see that addressed at some point. I would like to place a credit freeze on my accounts but because there has been no criminal activity yet [other than the original data theft] I can't file a police report which is what I need to be entitled to free freezes. This page shows how much the rules and fees vary from State to State. Keep in mind that the fees mentioned are per credit agency, so times three, four if I want to include Innovis. http://www.consumersunion.org/campaigns/learn_more/003484indiv.html Thank you for everything the FTC has done on this so far.