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 have watched with some apprehension the efforts nolw underway to couple free credit card reports with

     unnecessary delays for the convenience of credit bureaus, coupled with provisions that amount to invasion of

     privacy. 

     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. I am one of many

     consumers who  feel it is not fair to have to give up personal information to take advantage of an important

     new federal right to a free credit report.

     Please act to protect the public.

     Sincerely,