4 ms·
Credit reporting agencies are publishers of information. Publishers have editorial responsibility for the information they distribute, the excuse that they were
by 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 agoThe 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 agoI'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 agoDo you think hacker news should be sued for inaccurate information posted by its users?
- ascagnel_ 4y agoHacker 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 agoHacker 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.