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You didn’t consent to let them collect publicly available information, and information that you voluntarily shared with their business partners?

yebyen 9y ago
No, I have no contract with Equifax. Does that mean I don't have any standing in this discussion? You're being obtuse.
- monochromatic 9y ago
  I’m guessing that, in the contracts you agreed to with credit card companies and others, you did consent to information being shared with the credit bureaus.
  - yebyen 9y ago
    Yes. Conceded. That is different than consenting to the credit bureaus storing those data points in perpetuity. It is an agreement with my bank. That lets my bank off the hook, not the negligent credit reporting agency Equifax. I must still have some kind of rights when any kind of agency is legally allowed to store my SSN and personal information. If this was Europe, with their data privacy protections, I would be sure about that. The reality in this country is, I have no idea if "I must have" is a statement of fact or not. It should be my right to revoke this privilege that they have gained, however they came about it.
    - Frondo 9y ago
      Heh, that's a really interesting point. If I can go into Google and click a box to completely expunge my google history, why can't I do the same with a credit-reporting agency? I get that the thinking is, well, you could just expunge away bad credit choices... but, so what? Your blank credit history is now your red flag, as well as a bad one. But if you wanted to opt out, you could. What could possibly go wrong? (Hah, I didn't mean that as a jokey rhetorical question!)
    - closeparen 9y ago
      >It should be my right to revoke this privilege that they have gained, however they came about it. And it's the bank's right not to write loans to people who think this, and they're exercising it. The whole point of credit reporting is that you can't make your record go away.
      - yebyen 9y ago
        But I don't have this right. I can't tell Equifax to get bent and delete my record. I'm not asking for my credit history to go away (and shame on you for being the tenth person to suggest that I am), I am asking for the harmful company that appears to have chronically underfunded their security department, or ignored their advice, or whatever else has gone wrong to land us here, where we are now, to go out of business. If I can't have that, then I'd settle for them being required to delete MY personal record upon my request. Next time I need to pull my credit file, I'll warn the lender not to try to pay Equifax to look me up, because they're going to get back a null reference with a timestamp of some September 2017 date on it. What's so hard about that? If the lender doesn't like it, I'll take my money elsewhere. Lenders can keep their own records and report them anywhere they want, within the terms of our agreement and the law. I should not be obligated to remain in Equifax's database until fraud, criminal mischief, or negligence on their part is proven in a court of law. I am just asking for some modicum of control over where my records are stored, kept and shared. But... that's not an option for me, we don't have EU style personal data privacy and protection laws!

yebyen 9y ago

No, I have no contract with Equifax. Does that mean I don't have any standing in this discussion? You're being obtuse.

monochromatic 9y ago
I’m guessing that, in the contracts you agreed to with credit card companies and others, you did consent to information being shared with the credit bureaus.
- yebyen 9y ago
  Yes. Conceded. That is different than consenting to the credit bureaus storing those data points in perpetuity. It is an agreement with my bank. That lets my bank off the hook, not the negligent credit reporting agency Equifax. I must still have some kind of rights when any kind of agency is legally allowed to store my SSN and personal information. If this was Europe, with their data privacy protections, I would be sure about that. The reality in this country is, I have no idea if "I must have" is a statement of fact or not. It should be my right to revoke this privilege that they have gained, however they came about it.
  - Frondo 9y ago
    Heh, that's a really interesting point. If I can go into Google and click a box to completely expunge my google history, why can't I do the same with a credit-reporting agency? I get that the thinking is, well, you could just expunge away bad credit choices... but, so what? Your blank credit history is now your red flag, as well as a bad one. But if you wanted to opt out, you could. What could possibly go wrong? (Hah, I didn't mean that as a jokey rhetorical question!)
  - closeparen 9y ago
    >It should be my right to revoke this privilege that they have gained, however they came about it. And it's the bank's right not to write loans to people who think this, and they're exercising it. The whole point of credit reporting is that you can't make your record go away.
    - yebyen 9y ago
      But I don't have this right. I can't tell Equifax to get bent and delete my record. I'm not asking for my credit history to go away (and shame on you for being the tenth person to suggest that I am), I am asking for the harmful company that appears to have chronically underfunded their security department, or ignored their advice, or whatever else has gone wrong to land us here, where we are now, to go out of business. If I can't have that, then I'd settle for them being required to delete MY personal record upon my request. Next time I need to pull my credit file, I'll warn the lender not to try to pay Equifax to look me up, because they're going to get back a null reference with a timestamp of some September 2017 date on it. What's so hard about that? If the lender doesn't like it, I'll take my money elsewhere. Lenders can keep their own records and report them anywhere they want, within the terms of our agreement and the law. I should not be obligated to remain in Equifax's database until fraud, criminal mischief, or negligence on their part is proven in a court of law. I am just asking for some modicum of control over where my records are stored, kept and shared. But... that's not an option for me, we don't have EU style personal data privacy and protection laws!