Comments:

*REDACTED PERSONAL INFORMATION* 

April 9, 2004

Federal Trade Commission

FACTA Free Reports

PO Box 1031

Merrifield, VA 22116-1031

Re: FACTA Free File Disclosures Proposed Rule

Matter No. R411005

Gentlemen:

I think all CRA's should issue free reports if you're in their files.  Forget the focus on nationwide CRA's.  Reports from all of them should be free.  Consumers need a one-stop, centralized source for specialty CRA's.  We should not have to call each specialty agency; the central approach is better, simpler and more inclusive.

Sincerely,

Bella R. Langaigne