4 ms·
Experian should be illegal under GDPR. It operates without the user/victim's consent and the victim has zero rights over the data collected, much of which can h
by cutler 4y ago
Experian should be illegal under GDPR. It operates without the user/victim's consent and the victim has zero rights over the data collected, much of which can have a drastic effect on the victim's life. I can't believe Experian exists.
- mindslight 4y agoThis framework is spot on. The US desperately needs privacy legislation like the GDPR, or the surveillance industry will go right on building their de-facto government that is utterly unaccountable.
- NickNameNick 4y agoGiven how many people seem to have trouble correcting errors in the records, I have to wonder what the threshold would be for just sueing them. It seems like you could make good arguments for libel and tortious interference.
- throwaway742 4y agoThere's also the Fair Credit Reporting Act.
- robertlagrant 4y ago> It operates without the user/victim's consent and the victim has zero rights over the data collected This may be trickier to demonstrate than you might think. It could be that every credit card you use has Experian as a data processor, and that the only way to disengage is to stop using the credit card.
- julienb_sea 4y agoWell technically you do consent to sharing your information with reporting agencies every time you interact with a lender or issuer. I realize this is a technicality as we are essentially forced to do this in order to interact with the US primary financial system. It's probably worth pointing out the alternative to centralized, reasonably deterministic credit reporting is basically hard dings (e.g. known missed payments) & bank statements and income. This locks credit availability even more directly to your wealth and income position. Credit reports, at least, are a broader model of behavior whose inputs are well understood and relatively easy to track with free apps like Credit Karma & other competitors.