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.

     Ultimately this issue comes to down to whether you are willing to do your jobs and protect the American

     people from predatory tactics by these companies. It will only make the general atmosphere more unpleasant

      if people keep getting taken advantage, not to mention the fact that enforcement of the rules, and

     implementation of more effective rules, becomes more difficult each time you give in to industry pressure.

     Sincerely,