Comments:

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

     Please support faster free credit reports

     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, even more importantly, the rule should make very clear that information can **only** be used 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. In particular, I ask for very specific wording that will

     absolutely prohibit the credit bureaus from using this information for marketing purposes, and specifically not

     allow them to share this information with anyone else.  In fact, I believe that they should be required to destroy

     all access to this information, for everyone--themselves included--once identity has been established and the

     requested credit report sent out.