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; th

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.