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 recently spent a good deal of time and effort to beat a bogus collection in Court, and now will also have to

     spend even more time to clean up my credit. Since I do not have the resources to collect money that others

     owe me, I strongly object to companies that file bogus claims against individuals. My credit is a wreck

     because of those, and the credit bureaus treat consumers very rudely. It is time to clean up the corruption in

     the credit industry.

     Sincerely,