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 am writing about your proposed rule on delaying access to free credit reports. I urge you to make annual free

     credit reports available more quickly and equitably to all Americans, rather than delaying access to most of the

      country at the unjustified request of the credit bureaus.

     It is important that 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.Having personal information used for other purposes is an

     invasion of our privacy.

     Sincerely,

     Susan DeWind