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. Since credit reports move across

      state boundaries, this should be available to all the states not just a few.

     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.

     I also want to see credit bureaus stop selling privacy guard services, when they are the ones to create a need

     for them in the first place. I no longer want them to be allowed to compromise my security in the first place by

     selling my private information to strangers and third parties, while at the same time selling me services that

     are supposed to prevent this in the first place.

     Sincerely,