Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Please support faster free credit reports

     I habitually request a copy of my credit reports from all CRAs.  In one year they had 3 errors, one error was in

     all 3 major reports.  It took 4 months to get their errors corrected.  These errors would have prevented the

     purchase of a home for my family.  These companies make a tremendous profit on the information they

     gather.  There is little incentive for them to collect correct information, or to purge their files of errors.

     I urge you to make annual free credit reports available more quickly to all Americans, rather than delaying

     access to most of the country at the unjustified request of the credit bureaus.

     Also, the rule should make clear that information is only collected to verify identity. Many consumers, including

     me, don't think it is fair to give up personal information to take advantage of an important new federal right to a

     free credit report.