Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Faster free reports, with a privacy guarantee

     To the FTC:

     Consumers deserve to have FREE access to their credit reports.  This is especially true since the revelations

     that the agencies compiling these reports routinely make errors that affect the credit of consumers.

     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.  They have a responsibility to all

     of us and should be required to comply by the original date of December 2004.  Having known this was

     coming for so long, I find it ludicrous that they do not think they can comply by then.

     Also, the rule should make clear that information is only collected to verify identity. Many consumers, including

     me, consider it UNETHICAL to be required to give up personal information to take advantage of an important

     new federal RIGHT to a free credit report.

     Sincerely,