I think you misunderstand just how tightly integrated the credit reporting system is with government. The fact that "Transunion is a private for-profit company"

I think you misunderstand just how tightly integrated the credit reporting system is with government. The fact that "Transunion is a private for-profit company" is immaterial. or that it "only" gets information via "voluntarily reports to it, as a business arrangement, (credit card companies, mostly) pulled from publicly available sources" is plain wrong. Just because some information is not "publicly available" does not means Government wont share it with third parties, especially credit bureau. As far as information coming from Facebook posts thats just ridiculous.