Comments:

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

     Please support faster free credit reports

     The right to a free credit report should not entail more rights for the credit bureaus than it does for the

     consumer!

     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.

     Please make it clear that consumers can request their free credit report without submitting unnecessary

     personal information and without having to listen to a sales pitch for some unwanted credit-monitoring

     service.