|Agency:||Federal Trade Commission|
|Rule:||16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures|
Comments:You should remove all of the advertising and marketing by the credit bureaus before, during and after the process of getting a credit report. Another similar issue: Twice within the last 5 or so years, companies that I do business with, and which have my credit card and/or financial information, experienced security breaches. As a result, to " respond to the breach" they "gave" me "free" credit notification service for some period of time. Unsolicited. This dubious "service" was unintelligible as a notification and the occasional emails from these services seemed to me to be nothing more than a solicitation of further credit reports and credit insurance, something that ordinarily I would not let into my email box. I suspect that the offending companieswho were breached (TJMaxx and Goldman Sachs) paid little for this annoying service. Heck, they may have been paid for their email lists.... But I know that I felt that there was no benefit to me from this supposed help. I would like you to prevent companies from giving their email lists to credit reporting companies under these circumstances. I think that there should be some regulation as to what companies should be required to do if a breach does occur. I would not be surprised if they actually made money off of those of us whose identities were exposed by the theft. I can't believe that they actually paid for that ridiculous "notification" service.) You have a lot of work to do. Help us out.