So serious question here. Since Checkr is providing API access what prevents Someone having API access to run background check on my information ? Lots of risk

So serious question here. Since Checkr is providing API access what prevents Someone having API access to run background check on my information ? Lots of risk actually if you ask me. Socially engineering my information and using it against me by some stupid people puts Checkr at inherent risk. I see multi-million dollar lawsuit coming in future against Checkr.