8 ms·

I’m not surprised in the least bit. I keep my credit locked constantly since I’ve had my SSN leaked multiple times (by US government agencies). Every time I go

by agency 4y ago

I’m not surprised in the least bit. I keep my credit locked constantly since I’ve had my SSN leaked multiple times (by US government agencies). Every time I go to unfreeze it when I apply for credit at least one of the big 3 credit reporting agencies lets me unfreeze it without specifying the PIN I had to create when freezing. If there was any justice these companies would get the corporate death penalty.

Loughla 4y ago
I froze mine years ago when the first leak of my SS# happened thanks to one of the stupid credit agencies. I was happy and secure in the knowledge that it was locked until I had to unlock it the first time. The password I set didn't work, as they had apparently changed the log-in system with no alert (also, now the stupid log-in sends us spam e-mail that we can't opt out of). I called them. I had my account unlocked, and the phone representative even gave me my own SS# within three minutes of being on the phone, and by answering questions that were publicly available information. It's an absolute fucking train wreck and I wish the system as a whole and the credit companies in particular were destroyed.
- Terretta 4y ago
  > … and by answering questions that were publicly available information. The 3 questions fraud check system everyone uses to performatively pretend to ensure you are who you are, can only draw the questions it asks from — guess what — publicly available information. It's illogical on its face. // After identity theft, it gets worse, as thieves' fraudulent or real data will enter public records under your identity key, and now you can't pass your own check.
JumpCrisscross 4y ago
> these companies would get the corporate death penalty Would suggest replacing this in your vocabulary with “fines,” “license revocation” or “criminal penalties.” Corporate death penalties, i.e. judicial dissolution or charter revocations, while a good slogan, don’t make a lot of legal sense. As a result, I’ve found it in practice used to segregate activism and turnout operations (who like it) from rule and lawmaking influence (where it’s not a serious concept). Massive fines, equal to market cap, or absolute liability, e.g. a $10k + legal expenses minimum owed to each person whose data leaked irrespective of actual damages, for example, are more specific and actually actionable.
- nine_k 4y ago
  I understand "corporate death penalty" as a dissolution of the corporation, likely with some cool down time for the execs found guilty when they cannot work as execs. No violence should be involved. Large layoffs resulting from that won't be pleasant one bit though.
  - fragmede 4y ago
    [flagged]
    - jazzyjackson 4y ago
      I would suppose whoever is being forced to terminate their employees is doing so under the threat of state violence (men with guns), but the employees being fired are not being threatened with any force, they're just losing their job.
    - bastawhiz 4y ago
      If I start a company with the express purpose of having it commit crimes, it will be shut down and everyone employed will be fired. That's not on the government, that's on me, the employer. So then where is the line that we draw that says how badly a company needs to behave or how many crimes it needs to commit to justify it being dissolved? We should not tolerate crime for the sake of the livelihoods of the henchmen. "The death star is bad, but think of how many people would be unemployed if we stopped them" is exactly the argument they want you to make.
    - nisegami 4y ago
      Violence is the only language the state knows.
    - dabraham1248 4y ago
      The theory is that, _once it becomes policy and happens a couple of times_, employees will pay attention to what their company is doing, and get out if they think they're in danger. It aligns individual morality with self interest, and will crater a company that starts sliding towards dissolution. Thus actual enforcement becomes almost a non-issue. I'm not sure I buy that the janitorial staff is supposed to keep up on the dark patterns in the sign up page, but that's the theory.
rootusrootus 4y ago
PINs for freezes seems to be a thing of the past. I recently unfroze all of my credit reports momentarily so they could be accessed, and none of the big three asked for the PIN. They each have their own login and as soon as you authenticate to that, you're good.

by agency 4y ago

Loughla 4y ago

I froze mine years ago when the first leak of my SS# happened thanks to one of the stupid credit agencies. I was happy and secure in the knowledge that it was locked until I had to unlock it the first time. The password I set didn't work, as they had apparently changed the log-in system with no alert (also, now the stupid log-in sends us spam e-mail that we can't opt out of). I called them. I had my account unlocked, and the phone representative even gave me my own SS# within three minutes of being on the phone, and by answering questions that were publicly available information. It's an absolute fucking train wreck and I wish the system as a whole and the credit companies in particular were destroyed.

Terretta 4y ago
> … and by answering questions that were publicly available information. The 3 questions fraud check system everyone uses to performatively pretend to ensure you are who you are, can only draw the questions it asks from — guess what — publicly available information. It's illogical on its face. // After identity theft, it gets worse, as thieves' fraudulent or real data will enter public records under your identity key, and now you can't pass your own check.

JumpCrisscross 4y ago

> these companies would get the corporate death penalty Would suggest replacing this in your vocabulary with “fines,” “license revocation” or “criminal penalties.” Corporate death penalties, i.e. judicial dissolution or charter revocations, while a good slogan, don’t make a lot of legal sense. As a result, I’ve found it in practice used to segregate activism and turnout operations (who like it) from rule and lawmaking influence (where it’s not a serious concept). Massive fines, equal to market cap, or absolute liability, e.g. a $10k + legal expenses minimum owed to each person whose data leaked irrespective of actual damages, for example, are more specific and actually actionable.

nine_k 4y ago
I understand "corporate death penalty" as a dissolution of the corporation, likely with some cool down time for the execs found guilty when they cannot work as execs. No violence should be involved. Large layoffs resulting from that won't be pleasant one bit though.
- fragmede 4y ago
  [flagged]
  - jazzyjackson 4y ago
    I would suppose whoever is being forced to terminate their employees is doing so under the threat of state violence (men with guns), but the employees being fired are not being threatened with any force, they're just losing their job.
  - bastawhiz 4y ago
    If I start a company with the express purpose of having it commit crimes, it will be shut down and everyone employed will be fired. That's not on the government, that's on me, the employer. So then where is the line that we draw that says how badly a company needs to behave or how many crimes it needs to commit to justify it being dissolved? We should not tolerate crime for the sake of the livelihoods of the henchmen. "The death star is bad, but think of how many people would be unemployed if we stopped them" is exactly the argument they want you to make.
  - nisegami 4y ago
    Violence is the only language the state knows.
  - dabraham1248 4y ago
    The theory is that, _once it becomes policy and happens a couple of times_, employees will pay attention to what their company is doing, and get out if they think they're in danger. It aligns individual morality with self interest, and will crater a company that starts sliding towards dissolution. Thus actual enforcement becomes almost a non-issue. I'm not sure I buy that the janitorial staff is supposed to keep up on the dark patterns in the sign up page, but that's the theory.

rootusrootus 4y ago

PINs for freezes seems to be a thing of the past. I recently unfroze all of my credit reports momentarily so they could be accessed, and none of the big three asked for the PIN. They each have their own login and as soon as you authenticate to that, you're good.