|Commenter:||Mr. James Barlow|
|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:This is not about deceptive advertising but is about access in general. On two separate occasions, I tried to get a free credit report online and failed. I followed the procedures correctly; however, for unknown reasons, the session was discontinued before I received the credit report. I followed the procedures again but was denied for the reason that I had already received my free report for that year. In other words, the annual credit report website counted the failed session as my one free credit report. I waited another year to try again, and a similar thing happened. Due to some sort of communication failure, the session ended before I received the free credit report, and I was denied when I tried again. I use a reliable internet connection, and I use the internet often without troubles, so the fault was not at my end. There should be a verification step to determine whether the credit report was actually received.