I used www.annualcreditreport.com to request a free credit report from TransUnion on XX/XX/2015. Due to internet issues, I never saw my report nor had a chance to save that report. When I finally connected XXXX minutes later, I received this message, " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " Does the law not require that I can " request and **obtain** all the information about [ me ] in the files of a consumer reporting agency? '' I do not want an updated report, but access to the report I allegedly " received '' on XX/XX/2015. As the consumer reporting agencies already maintain a record of my most recent date of " file disclosure, '' it is nearly costless to them to allow me to obtain my XX/XX/2015 report until I am eligible to " receive '' an updated report. Does the FCRA law allow these agencies to seal my " free disclosure file '' for one year due to a failed online attempt at " disclosure ''? I would like CFPB to help enforce substantive " disclosure '' or the " right to obtain a copy '' -- can you help me?