Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     As someone who has suffered from fraud, I feel the lack of information on one's own credit and the difficulty in

     obtaining it is more detrimental to myability to run my finances well.

     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, the rule should make clear that information is only collected to verify identity. Private agencies (or the

     government) should  not be able to make use of that information for any other purpose.

     Many consumers, including me, don't think it is fair, and indeed think it endangers our security and our rights

     to give up personal information to take advantage of an important new federal right to a free credit report.

     Sincerely,