Comments:

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

     Please support faster free credit reports

     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.

     In addition, I was a victim of identity theft and the free credit report's I've received as a Massachusetts resident

     has enabled me to determine if it has happened again.  It gives me Peace of Mind knowing that I have to worry

      a little bit less.

     Thank you,