|Received:||5/22/2006 5:43:51 PM|
|Subject:||Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies|
|Title:||Advance Notice of Proposed Rulemaking|
|CFR Citation:||16 CFR Parts 660 and 661|
Comments:I believe that the United States is a nation of laws. As an citizen of the United States, I believe in the rule of law that states that the onus of proof is never placed upon the accused but upon the accuser. That is why I must question the current practice of demanding that a victim of identity theft be expected to provide exculpatory evidence to disprove his or her indebtedness. As a victim of identity theft, how is it that I can be made to release even more personal identity information in the form of canceled checks, driver's licence information, and proof of residency to a company, such as a collection agency, that I have never done business with and to whom I am not indebted? And as an victim of fraud, why is it not reasonable for me to remain hesitant to release to any company, personal identification documentation that can be used to commit further fraud.