Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     Last month my newly retired husband and I ordered credit reports from two companies.  As Georgians, we are

      entitled to one free report yearly, and we ordered ours, for the first time in 13 years.  It was surprising to us to

     see the outdated information about us on these reports.  We took action immediately to correct them, and the

     Equifax and Experian people were prompt in correcting our records.

     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.

     Sincerely,