Comments:

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

     Please support faster free credit reports

     I am writing to urge you to make annual free credit reports available more quickly to all Americans. It is unfair

     that people on the West Coast would be able to get a free credit report in late 2004, while those on the East

     Coast and elsewhere would have to wait nine months before being able to request the same thing.

     In addition, the rule should make clear that information is only collected to verify identity. I and many

     consumers don't want to be compelled to give personal information in order to exercise a federal right to a

     free credit report. We also object  to allowing credit bureaus to use our information for their own marketing

     purposes. Please clean up this rule to protect consumers from being targeted by credit bureaus simply

     because they requested a credit report that is their right to receive.