16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures
I think that every possible measure should be taken to force the three credit reporting agencies to be transparent, avoid attempting to sell additional services during the process of getting your free report, and to provide a simple process to seek correction of any errors in your credit report. This includes a number to speak with a human (without going through a phone tree) about serious errors. There should also be a transparent process for appealing any incorrect decisions by the credit reporting agencies. Three times this year I have sought a free credit report from Experian. Twice they said I had already received a free report this year and would have to buy one. The third time they didn't respond at all. I last received a free report in March 2008, and all three of my requests this year were more than one year later. Obviously, someone has stolen a report in my name. I have no way to get any information about this from Experian. I will seek help from my congressional representative, but it is clear that Experian is not living up to its obligations under the law to provide a free annual credit report. The Congress and U.S. Government must do more to protect citizens' credit and protect against identity theft. The penalties now are paltry, and rarely, if ever, are identity thieves prosecuted. It must be the responsibility of the USG to change this situation and protect citizens with strong identity theft protections and heavy fines and jail time for those who steal the identities of others.