Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     Americans should be able to recieve a copy of their credit report quickly and without an invasion of their

     privacy.

     When our family was purchasing a house the report came back saying we had an unpaid credit card bill. We

     had never owned this credit card. It had been wrongly reported to our name. After many phone calls over a

     weeks period we where able to correct the error. Checking your credit report is essential.

     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.

     Sincerely,