Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     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.

     Since when has such power to invade privacy been given to anyone in history? Not only that, Credit bureaus

     now have the power to make a break an American simply by giving these inaccurate reports to employers,

     mortgage companies and insurance companies.

     Look at the websites! They make money off the BIG BUSINESS of selling inacurate reports to consumers.

     PLEASE protect the consumer and do not give corportate America & credit bureaus such power. They are

     making our life as US citizens miserable, by not allowing FREE access to clean up inacuracies.

     Sincerely,