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.  Any deviation from this is an act

     of bad faith and should (and in my case will) be viewed very suspiciously.

     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. 

     My most significant point is this;  Since there is a huge push to rid our information systems of the JUNK EMAIL

      and SPAM, why would the FTC allow for the exact same distasteful and harassing SPAMMING and

     PEDDLING of unwanted services by institutions whose very violations and misconduct are the proximate

     cause of the very legislation being proposed

     Sincerely,