I run credit reports and one of the terms with the credit company is that I am not permitted to give copies of the reports or any information about the reports to the applicant.
If they are rejected, I am required to give them a letter that allows them to get a free copy of their credit report.
As far as I know, California is the only state that requires that a copy of the credit report be given to the applicant if the applicant paid for it.
I'm going to guess, that since the credit company keeps a record of every place that a person applies for credit, They don't want the consumer to walk around witha copy so that their loan applications don't show up on their credit report.
There exists the possibility that a cheat could get a new car, new tv, new wardrobe, new hot tub, all from Creditors that didn't know they were on a buying spree. After all, it's not a rare practie from those who know they are going to file for bankruptcy. They go on a huge buying spree and then hide the goodies away and file.