There is always the ability to control private enterprise when enough of a consensus is established. In this case, credit reporting is regulated by the Fair Cre

There is always the ability to control private enterprise when enough of a consensus is established. In this case, credit reporting is regulated by the Fair Credit Reporting Act which provides a number of guidelines as well as a dispute process, access to your report for free, etc. I would argue that is democratic control to an extent that the people’s representatives have chosen to regulate the industry to that extent, yes.