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, 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.

     Recently I tried to obtain a "free" credit report on-line and after initially signing up for an on-line report (or so I

     thought) I received nothing for three weeks.  The bottom line is, after finally receiving my access code by

     tracking someone down via  telephone, I acessed the "free" report on-line (which was a piece of crap, totally

     useless) and within 5 days of this my credit card was charged $79.95 for the service I had supposedly

     cancelled before receiving my access code.

     When I called back to complain, they basically explained that you had to sign up for their service first (the

     $79.95 thing) and THEN cancel it - there was no way to receive the "free" credit report without first signing up

     for the service.  This is not "free" and of course, they rely upon people not cancelling because it is not obvious

     from the website that you sign up for anything when you request the "free" credit report, and it certainily does

     not tell you that it is an $80 service you are agreeing to.

     Free is free.  And these reports should not be coming from private entities who finagle all sorts of ways of

     enticing you, often deceptively, into buying their products. 

     Why not step to the plate and help consumers for once, instead of always helping big businesses?  C'mon,

     FTC, do the right thing here.  Release the reports early, and make them really free.