Well sure. And a pretty core impetus for a company like Equifax keeping data on loan repayments is also better fraud detection. That's even more true in the in

Well sure. And a pretty core impetus for a company like Equifax keeping data on loan repayments is also better fraud detection. That's even more true in the insurance business which uses consumer credit agency data extensively. Fundamentally what they are doing seems like the same thing. They're keeping a file on people that corporations are using to decide if they're trustworthy. We decided a long time ago that consumers need to have the right to see and challenge that data for accuracy, as well as to have limits on how long it can be held against them. I see absolutely no reason why those principals should not apply here as well. And it seems at least arguable that they already do. Clearly there's arguments on both sides, but reading the basic definitions here on what comprises a credit report and a credit reporting agency, and the prohibition on reports more than seven years old, it seems like a non-frivolous case could be made: https://epic.org/privacy/financial/fcra.html https://epic.org/privacy/financial/fcra.html https://www.law.cornell.edu/uscode/text/15/1681a https://www.law.cornell.edu/uscode/text/15/1681a