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. 

     As someone with relatives who have been the victims of identity theft, an increasingly common crime, I know

     that free and quickly available credit reports are very important.  This service should be restricted to being a

     service to the consumer, rather than being co-opted by requiring consumers to give extra information or

     having agencies use the information they collect for other purposes.

     Sincerely,