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.

     I believe the right to a free report is long overdue and should not possess clauses that make our personal

     information available to anyone. The faster this new law is implemented for all people the better.  There is no

     reason for the almost one year delay in making it available nationwide.

     Sincerely,