6 ms·

There's also the issue of various creditors giving them bad information. I don't know how successful you might be suing a credit reporting agency if they were

by tyingq 4y ago

There's also the issue of various creditors giving them bad information. I don't know how successful you might be suing a credit reporting agency if they were given bad info by some debt collector.

eberkund 4y ago
Credit reporting agencies are publishers of information. Publishers have editorial responsibility for the information they distribute, the excuse that they were given bad info by some random tipster doesn't hold up.
- IncRnd 4y ago
  The FCRA already is a law that governs credit reporting agencies. Given that, are you sure they are publishers in the manner you imply?
- tyingq 4y ago
  I'm not understanding how that works exactly, outside of very basic vetting that things like name, ssn, etc, match up. A fair amount of disputes, for example, are identity theft. The loan company sharing into with a credit reporting agency would be supplying data that looked right.
  - deleted 4y ago
    [deleted]
- gruez 4y ago
  Do you think hacker news should be sued for inaccurate information posted by its users?
  - ascagnel_ 4y ago
    Hacker News allows basically any user with an account to submit posts and comments, and generally do not deal with data that has a material impact on others; there is no financial or contractual arrangement between HN and individual users beyond a standard ToS and moderation. Credit ratings bureaus enter into contractual agreements with both data suppliers and their customers and frequently deal with data that has a material impact on those who have no direct arrangement with the ratings bureau. I don't think it's unreasonable to expect a higher degree of data integrity and reliability in that case, and HN vs. a credit bureau is a terrible comparison.
  - triceratops 4y ago
    Hacker News is protected from this by Section 230 of the CDA. Credit bureaus aren't covered by the CDA since they aren't online or interactive information providers.
londons_explore 4y ago
In the USA, in most cases, you can't in court point to someone supplier and say 'it was their fault, not mine'. Instead, the correct approach is to pay damages, and then, in a separate case, try to recover damages from that other party that you claim is at fault. If the other party is bankrupt or can't be found, you're gonna lose out.

by tyingq 4y ago

There's also the issue of various creditors giving them bad information. I don't know how successful you might be suing a credit reporting agency if they were given bad info by some debt collector.

eberkund 4y ago

Credit reporting agencies are publishers of information. Publishers have editorial responsibility for the information they distribute, the excuse that they were given bad info by some random tipster doesn't hold up.

IncRnd 4y ago
The FCRA already is a law that governs credit reporting agencies. Given that, are you sure they are publishers in the manner you imply?
tyingq 4y ago
I'm not understanding how that works exactly, outside of very basic vetting that things like name, ssn, etc, match up. A fair amount of disputes, for example, are identity theft. The loan company sharing into with a credit reporting agency would be supplying data that looked right.
- deleted 4y ago
  [deleted]
gruez 4y ago
Do you think hacker news should be sued for inaccurate information posted by its users?
- ascagnel_ 4y ago
  Hacker News allows basically any user with an account to submit posts and comments, and generally do not deal with data that has a material impact on others; there is no financial or contractual arrangement between HN and individual users beyond a standard ToS and moderation. Credit ratings bureaus enter into contractual agreements with both data suppliers and their customers and frequently deal with data that has a material impact on those who have no direct arrangement with the ratings bureau. I don't think it's unreasonable to expect a higher degree of data integrity and reliability in that case, and HN vs. a credit bureau is a terrible comparison.
- triceratops 4y ago
  Hacker News is protected from this by Section 230 of the CDA. Credit bureaus aren't covered by the CDA since they aren't online or interactive information providers.

londons_explore 4y ago

In the USA, in most cases, you can't in court point to someone supplier and say 'it was their fault, not mine'. Instead, the correct approach is to pay damages, and then, in a separate case, try to recover damages from that other party that you claim is at fault. If the other party is bankrupt or can't be found, you're gonna lose out.