Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     Please 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.

     The credit bureaus already excercise way too much power. Please allow the average consumer their right to

     their private information by fighting this measure

     Sincerely,