Comments:

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

     Faster free reports, with a privacy guarantee

     Federal Trade Commission,

     As someone who has had to correct credit agency reports three times, 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 one of our own federal rights, a

     right to a free credit report.

     Faithfully yours,