It isn't even social engineering because the credit bureaus are for-profit entities and want to sell any data they have to the highest bidder. Right now, the co

It isn't even social engineering because the credit bureaus are for-profit entities and want to sell any data they have to the highest bidder. Right now, the cost of a (subset of a) single user's data on the competitive market between the three terrible companies is roughly as low as $15. This isn't a "bug", it's a "feature" to these companies' profit models. It's maybe a bug in the American system that so much of this data is in the hands of for-profit companies running a race-to-the-bottom auction on it.