|Received:||4/21/2004 8:00:00 AM|
|Agency:||Federal Trade Commission|
|Rule:||FACTA Free Reports Proposed Rule|
To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005
Faster free reports, with a privacy guarantee
To the FTC:
Last month my newly retired husband and I ordered credit reports from two companies. As Georgians, we are
entitled to one free report yearly, and we ordered ours, for the first time in 13 years. It was surprising to us to
see the outdated information about us on these reports. We took action immediately to correct them, and the
Equifax and Experian people were prompt in correcting our records.
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.