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 until September 2005 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.  I also do not want the new rule to be used by credit bureaus to market overpriced products

     to consumers seeking to obtain their free credit report.  Many claims made by credit bureaus regarding identity

      theft are misleading and therefore should not be allowed mention when consumers call to get their credit

     report for free. 

     I hope you will take my comments into consideration.