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<tr><td><b>Comment Number: </b></td><td>00001</td></tr>

<tr><td><b>Received: </b></td><td>12/5/2008 3:04:14 PM</td></tr>

<tr><td><b>Organization: </b></td><td>Consumer Data Industry Association</td></tr>

<tr><td><b>Commenter: </b></td><td>Joe Rubin</td></tr>

<tr><td><b>State: </b></td><td>DC</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Survey of Consumer Experiences with Consumer Reporting Agencies

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<tr><td><b>Attachments:</b></td><td><a href='00001.pdf'>00001.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>Thank you for this opportunity to comment on Consumer Experiences with CRAs Research: FTC File No. P065405.


The Consumer Data Industry Association does not believe that the FTC adequately addressed the concerns raised in our original comment, submitted September 9, 2008, so we hereby submit that letter again.


Thank you very much for your consideration.


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