Comments:

*REDACTED PERSONAL INFORMATION* April 6, 2004

FACTA Free file

disclosure rule

Matter: #R411005

FACTA Free Reports

P.O. Bx 1031

Merrifield, VA. 22116-1031

Dear Sirs,

I am writing to give input on "a free report by the Credit Bureaus).

I certainly agree that each credit bureau should give a free report to all who request it, after all they are invading the privacy of US citizens.  (personally I think it should be outlawed.  Why someone from our congress had not challenged it fron its conception is beyond me.

also I believe they should also include the persons credit score.  I had some problems with Discover Card.  From the report by Trans Union.  Which was difficult to correct.  After writing to transunion and given info to correct misstatements, the problem was never corrected.  Other letters sent were futile.  I gave up.  They should also correct misstatements and be sure they are corrected not fluff it off.

Thanks for the opportunity to complain.

Thank you

Joe Lipko