Comments:

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

     Please support faster free credit reports

     I feel that it is vital that you 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.

     However, the rule must make it impossible for others to steal our identity.  This has become a grave problem

     in today's world.  It is not just a question of consumers not wanting to give up personal information to vendors

     because the credit bureaus sell or share the information.  Consumers need to be able to verify that their credit

      reports do not show unauthorized activity because of identity theft.  The more that companies can access our

     credit information, than the harder it will be for individuals to distinquish legitimate inquiries from illegitimate

     ones.

     It is an important right for a consumer to have a free credit report.  Let us make this a unified federal right.  And

      let's keep organized crime from overtaking a huge privacy issue and expanding this already out of control

     identity theft crime.