|Received:||11/12/2004 2:35:47 PM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:I do not believe that a consumer should have to pay for a copy of their credit report since they are not the ones requesting it. When a credit rating is supplied to a creditor a copy should always be sent to the person so they can review the information. Also, if it appears that more than one person is using a social security number when this report is issued (i.e. two different addresses at approximately the same time in different parts of the country, age discrepencies and etc.), this information should be given to a special law enforcement agency to investigate and resolve instead of the wronged person being responsible to find out and having hugh legal costs to resolve this while basically the person commiting identity theft getting away with the crime. It is time for the consumer to be protected from identy theft and the person that does it or the companys that has access to information that could indicates it is happening should be the ones to bear the cost and punishment.. Also, if the credit bureaus do not train their employees to catch these possible problems they should be held legally and financially responsible for not reporting the information. The credit bureaus should also be held financially responsible for any incorrect information in a credit report.