Comments:

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

     Please support faster free credit reports

     I would not want to be "spammed" by the credit bureaus trying to sell me their services if I were to take

     advantage of getting an annual "free" credit report; that credit report should be free of cost and free of

     solicitations.

     I also 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.

     Finally, 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.

     Jean-Paul Otin