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Not just annual. If you go to the "start a dispute" section, you can get a copy as part of the process. Also, I believe you're entitled to a free report if you've recently been denied credit.
This is actually a lot harder and more time-consuming than it looks, as I know personally from dealing with identity theft last year. I had to spend >15 hours scouring my own records for various proof that I had grounds to file an ID theft report + a police report
I did actually end up paying for report access with at least one of the bureaus because they were so unresponsive
I'm so sorry you had to go through that. That sucks!
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