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.

     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 am currently preparing to buy a home, which would fulfill the 'American Dream' for

     me, and the current errors on my credit reports are standing in my way.  In fact,

     when I contacted two of them, Trans Union and

     Experian, I saw that Experian had kept track of my residences and mailing address all the way back to 1991 (!)

      and had one mailing address in Chicago, where I resided in the 1980's!  I think that is just too much

     information in the hands of a financial institution that does not have my best interests at heart!

     Sincerely,