Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     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.  If the credit bureaus are

     concerned with the sudden impact on their systems when it is first offered, they should begin phasing in prior

     to the final deadline.  They have massive resources at their command and could complete a phased rollout by

      the deadline. 

     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.  This is a ploy by the credit bureaus to link collection of additional information as a

     precondition before each consumer may get their annual report.  This cannot be permitted and is not in the

     spirit of the rule.

     Sincerely,