|Received:||4/21/2004 8:00:00 AM|
|Agency:||Federal Trade Commission|
|Rule:||FACTA Free Reports Proposed Rule|
To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005
Faster free reports, with a privacy guarantee
To the FTC:
Americans should be able to recieve a copy of their credit report quickly and without an invasion of their
When our family was purchasing a house the report came back saying we had an unpaid credit card bill. We
had never owned this credit card. It had been wrongly reported to our name. After many phone calls over a
weeks period we where able to correct the error. Checking your credit report is essential.
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.