#creditreporting — Public Fediverse posts

"On January 30, the Consumer Financial Protection Bureau (CFPB) began accepting public comments on whether the agency’s complaint intake system, which allows consumers to file public complaints against credit reporting companies, “is necessary for the proper performance of the functions” of the agency. The request for comment also seeks ideas on how to “minimize the burden of the collection of information” on companies flagged.

A potential rule change could make it harder for consumers to file complaints and publicize mistakes made by these credit reporting companies, which can “devastat[e]” families with higher interest rates and loan denials, according to a recent press release from the National Consumer Law Center, a nonprofit law group.

Three days before the announcement, the Consumer Data Industry Association — the lobbying group representing the “Big Three” credit reporting firms, Equifax, Experian, and TransUnion — noted in a letter to the CFPB that it should “cease publishing data related to individual consumer complaints” and that the bureau’s consumer complaint database is akin to a “Yelp for Financial Services.”

https://jacobin.com/2026/02/credit-reporting-transparency-regulations-trump/

#USA #Trump #CreditReporting #ConsumersRights #CFPB

"On January 30, the Consumer Financial Protection Bureau (CFPB) began accepting public comments on whether the agency’s complaint intake system, which allows consumers to file public complaints against credit reporting companies, “is necessary for the proper performance of the functions” of the agency. The request for comment also seeks ideas on how to “minimize the burden of the collection of information” on companies flagged.

A potential rule change could make it harder for consumers to file complaints and publicize mistakes made by these credit reporting companies, which can “devastat[e]” families with higher interest rates and loan denials, according to a recent press release from the National Consumer Law Center, a nonprofit law group.

Three days before the announcement, the Consumer Data Industry Association — the lobbying group representing the “Big Three” credit reporting firms, Equifax, Experian, and TransUnion — noted in a letter to the CFPB that it should “cease publishing data related to individual consumer complaints” and that the bureau’s consumer complaint database is akin to a “Yelp for Financial Services.”

https://jacobin.com/2026/02/credit-reporting-transparency-regulations-trump/

#USA #Trump #CreditReporting #ConsumersRights #CFPB

CFPB Takes on Experian: A Legal Battle Over Credit Report Accuracy

In a landmark lawsuit, the Consumer Financial Protection Bureau (CFPB) is challenging Experian's practices regarding consumer dispute investigations. Allegations of sham investigations and improper ha...

https://news.lavx.hu/article/cfpb-takes-on-experian-a-legal-battle-over-credit-report-accuracy

#news #tech #CreditReporting #ConsumerProtection #FCRA

TD Bank Fined $28 Million by CFPB for Allegedly Sharing Inaccurate Customer Data https://thecyberexpress.com/td-bank-fine-cfpb-inaccurate-customer-data/ #TheCyberExpressNews #creditreporting #TheCyberExpress #consumerrights #financialfines #FirewallDaily #creditbureaus #creditscore #dataprivacy #Compliance #CyberNews #TDBank #CFPB

Don't fall for the trap—skip the apps.

#FCRA #CreditReporting #ItsATrap #SkipTheApps

→ Get all three original reports from annualcreditreport.com (or by mail).

→ Identify any inaccurate information that needs to be fixed or removed.

→ Write a letter to each bureau, identifying each item that was wrong, and sending it certified mail, return receipt requested.

→ If they fail to fix the incorrect information, go to court (with the help of a lawyer who won't charge you) to sue for damages caused by their false reporting.

👇

#FCRA #CreditReporting #ItsATrap #SkipTheApps

The credit industry WANTS to lure you into these useless, fake report-and-dispute apps because using them prevents you from enforcing your rights.

What he should have done instead:

👇

#FCRA #CreditReporting #ItsATrap #SkipTheApps

The problem is, Credit Karma reports are hearsay, because they don't come directly from the credit bureaus.

And his online disputes didn't get saved, so he has no record of them.

That means has has no way to go to court to enforce his legal rights to accurate, timely, verifiable credit information.

👇

#FCRA #CreditReporting #ItsATrap #SkipTheApps

David cost himself thousands of dollars because he used the wrong credit app.

Here's what he should have done instead.

A lot of people like to keep an eye on their credit, and that's a good thing. A whole industry has sprung up, offering ways for people to do it.

But those apps are a trap.

David used Credit Karma to get his "reports" and to dispute information on them.

And when it didn't get fixed, he wanted to sue.

👇

#FCRA #CreditReporting #ItsATrap #SkipTheApps

Today I tried to set up #IdentityTheft monitoring with #IDX. When I got to point where it was trying to verify my identity, all I got was a forever-spinning cursor. This is probably because I have my credit report locked/frozen at the big 3 credit reporting agencies. That's right, IDX doesn't know how to deal with someone who is using the most commonly recommended protection against identity theft.
#infosec #privacy #CreditReporting

Today I tried to set up #IdentityTheft monitoring with #IDX. When I got to point where it was trying to verify my identity, all I got was a forever-spinning cursor. This is probably because I have my credit report locked/frozen at the big 3 credit reporting agencies. That's right, IDX doesn't know how to deal with someone who is using the most commonly recommended protection against identity theft.
#infosec #privacy #CreditReporting

The major credit reporting agencies are all still dumpster fires

I tried to dispute incorrect information. The process didn't fully work at any of the agencies. I was eventually able to dispute all of the incorrect information at one, but I was unable to dispute some or all at two others and eventually gave up. The credit reporting agencies are terrible.

https://blog.kamens.us/2023/07/12/the-major-credit-reporting-agencies-are-all-still-dumpster-fires/

#ConsumerActivism #GovernmentActivism #CFPB #CreditReporting #Equifax #Experian #TransUnion

The major credit reporting agencies are all still dumpster fires

I tried to dispute incorrect information. The process didn't fully work at any of the agencies. I was eventually able to dispute all of the incorrect information at one, but I was unable to dispute some or all at two others and eventually gave up. The credit reporting agencies are terrible.

https://blog.kamens.us/2023/07/12/the-major-credit-reporting-agencies-are-all-still-dumpster-fires/

#ConsumerActivism #GovernmentActivism #CFPB #CreditReporting #Equifax #Experian #TransUnion

The major credit reporting agencies are all still dumpster fires

I tried to dispute incorrect information. The process didn't fully work at any of the agencies. I was eventually able to dispute all of the incorrect information at one, but I was unable to dispute some or all at two others and eventually gave up. The credit reporting agencies are terrible.

https://blog.kamens.us/2023/07/12/the-major-credit-reporting-agencies-are-all-still-dumpster-fires/

#ConsumerActivism #GovernmentActivism #CFPB #CreditReporting #Equifax #Experian #TransUnion

The major credit reporting agencies are all still dumpster fires

I tried to dispute incorrect information. The process didn't fully work at any of the agencies. I was eventually able to dispute all of the incorrect information at one, but I was unable to dispute some or all at two others and eventually gave up. The credit reporting agencies are terrible.

https://blog.kamens.us/2023/07/12/the-major-credit-reporting-agencies-are-all-still-dumpster-fires/

#ConsumerActivism #GovernmentActivism #CFPB #CreditReporting #Equifax #Experian #TransUnion

On authors who were publishing information technology panopticon concerns in the 1980s, or earlier

A quickie dump.

Paul Baran / RAND

• "On the Engineer's Responsibility in Protecting Privacy"

• "On the Future Computer Era: Modification of the American Character and the Role of the Engineer, or, A Little Caution in the Haste to Number"

• "The Coming Computer Utility -- Laissez-Faire, Licensing, or Regulation?"

• "Remarks on the Question of Privacy Raised by the Automation of Mental Health Records"

• "Some Caveats on the Contribution of Technology to Law Enforcement"

Largely written/published 1967--1969.

https://www.rand.org/pubs/authors/b/baran_paul.html

Willis Ware / RAND

Too numerous to list fully, 1960s --1990s. Highlights:

• "Security and Privacy in Computer Systems" (1967)

• "Computers in Society's Future" (1971)

• "Records, Computers and the Rights of Citizens" (1973

• "Privacy and Security Issues in Information Systems" (1976)

• "Information Systems, Security, and Privacy" (1983)

• "The new faces of privacy" (1993)

https://www.rand.org/pubs/authors/w/ware_willis_h.html

Misc

Shoshana Zuboff, In the Age of the Smart Machine: The Future of Work and Power (1988) Notably reviewed in the Whole Earth Catalog's Signal: Communication Tools for the Information Age (1988).

https://www.worldcat.org/title/in-the-age-of-the-smart-machine-the-future-of-work-and-power/oclc/60966402 https://archive.org/details/inageofsmartmach00zubo/page/n7/mode/2up

"Danger to Civil Rights?", 80 Microcomputing (1982)

https://archive.org/stream/80_Microcomputing_Issue_26_1982-02_1001001_US#page/n295/mode/2up (https://news.ycombinator.com/item?id=14329877)

"Computer-Based National Information Systems: Technology and Public Policy", NTIS (September 1981)

http://govinfo.library.unt.edu/ota/Ota_5/DATA/1981/8109.PDF

"23 to Study Computer ‘Threat’" (1970)

https://www.nytimes.com/1970/03/12/archives/23-to-study-computer-threat.html

The Stanford Encyclopedia of Philosophy

"Privacy and Information Technology" bibliography is largely 1990--present, but contains some earlier references.

https://plato.stanford.edu/entries/it-privacy/#Bib

Similarly "Privacy"

https://plato.stanford.edu/entries/privacy/

Credit Reporting / Legislation

US Privacy Act of 1974

https://www.justice.gov/opcl/privacy-act-1974

Invasion of Privacy Act 1971 - Queensland Government, Australia

https://www.legislation.qld.gov.au/view/pdf/inforce/current/act-1971-050

Arthur R. Miller, The assault on privacy: computers, data banks, and dossiers

https://archive.org/details/assaultonprivacy00mill/page/n7/mode/2up

"The Computer, the Consumer and Privacy" (1984)

https://www.nytimes.com/1984/03/04/weekinreview/the-computer-the-consumer-and-privacy.html

Richard Boeth / Newsweek

The specific item I'd had in mind:

Richard Boeth, "Is Privacy Dead", Newsweek, July 27, 1970

http://www.thedailybeast.com/articles/2013/06/11/is-privacy-dead.html%EF%BB%BF

Direct PDF: https://assets.documentcloud.org/documents/712228/1970-newsweek-coverstory-privacy.pdf

Based on an HN comment: https://news.ycombinator.com/item?id=24851736

#privacy #surveillance #panopticon #PaulBaran #WillisWare #RAND #ShoshanaZuboff #RichardBoeth #CreditReporting

On authors who were publishing information technology panopticon concerns in the 1980s, or earlier

A quickie dump.

Paul Baran / RAND

• "On the Engineer's Responsibility in Protecting Privacy"

• "On the Future Computer Era: Modification of the American Character and the Role of the Engineer, or, A Little Caution in the Haste to Number"

• "The Coming Computer Utility -- Laissez-Faire, Licensing, or Regulation?"

• "Remarks on the Question of Privacy Raised by the Automation of Mental Health Records"

• "Some Caveats on the Contribution of Technology to Law Enforcement"

Largely written/published 1967--1969.

https://www.rand.org/pubs/authors/b/baran_paul.html

Willis Ware / RAND

Too numerous to list fully, 1960s --1990s. Highlights:

• "Security and Privacy in Computer Systems" (1967)

• "Computers in Society's Future" (1971)

• "Records, Computers and the Rights of Citizens" (1973

• "Privacy and Security Issues in Information Systems" (1976)

• "Information Systems, Security, and Privacy" (1983)

• "The new faces of privacy" (1993)

https://www.rand.org/pubs/authors/w/ware_willis_h.html

Misc

Shoshana Zuboff, In the Age of the Smart Machine: The Future of Work and Power (1988) Notably reviewed in the Whole Earth Catalog's Signal: Communication Tools for the Information Age (1988).

https://www.worldcat.org/title/in-the-age-of-the-smart-machine-the-future-of-work-and-power/oclc/60966402 https://archive.org/details/inageofsmartmach00zubo/page/n7/mode/2up

"Danger to Civil Rights?", 80 Microcomputing (1982)

https://archive.org/stream/80_Microcomputing_Issue_26_1982-02_1001001_US#page/n295/mode/2up (https://news.ycombinator.com/item?id=14329877)

"Computer-Based National Information Systems: Technology and Public Policy", NTIS (September 1981)

http://govinfo.library.unt.edu/ota/Ota_5/DATA/1981/8109.PDF

"23 to Study Computer ‘Threat’" (1970)

https://www.nytimes.com/1970/03/12/archives/23-to-study-computer-threat.html

The Stanford Encyclopedia of Philosophy

"Privacy and Information Technology" bibliography is largely 1990--present, but contains some earlier references.

https://plato.stanford.edu/entries/it-privacy/#Bib

Similarly "Privacy"

https://plato.stanford.edu/entries/privacy/

Credit Reporting / Legislation

US Privacy Act of 1974

https://www.justice.gov/opcl/privacy-act-1974

Invasion of Privacy Act 1971 - Queensland Government, Australia

https://www.legislation.qld.gov.au/view/pdf/inforce/current/act-1971-050

Arthur R. Miller, The assault on privacy: computers, data banks, and dossiers

https://archive.org/details/assaultonprivacy00mill/page/n7/mode/2up

"The Computer, the Consumer and Privacy" (1984)

https://www.nytimes.com/1984/03/04/weekinreview/the-computer-the-consumer-and-privacy.html

Richard Boeth / Newsweek

The specific item I'd had in mind:

Richard Boeth, "Is Privacy Dead", Newsweek, July 27, 1970

http://www.thedailybeast.com/articles/2013/06/11/is-privacy-dead.html%EF%BB%BF

Direct PDF: https://assets.documentcloud.org/documents/712228/1970-newsweek-coverstory-privacy.pdf

Based on an HN comment: https://news.ycombinator.com/item?id=24851736

#privacy #surveillance #panopticon #PaulBaran #WillisWare #RAND #ShoshanaZuboff #RichardBoeth #CreditReporting

On authors who were publishing information technology panopticon concerns in the 1980s, or earlier

A quickie dump.

Paul Baran / RAND

• "On the Engineer's Responsibility in Protecting Privacy"

• "On the Future Computer Era: Modification of the American Character and the Role of the Engineer, or, A Little Caution in the Haste to Number"

• "The Coming Computer Utility -- Laissez-Faire, Licensing, or Regulation?"

• "Remarks on the Question of Privacy Raised by the Automation of Mental Health Records"

• "Some Caveats on the Contribution of Technology to Law Enforcement"

Largely written/published 1967--1969.

https://www.rand.org/pubs/authors/b/baran_paul.html

Willis Ware / RAND

Too numerous to list fully, 1960s --1990s. Highlights:

• "Security and Privacy in Computer Systems" (1967)

• "Computers in Society's Future" (1971)

• "Records, Computers and the Rights of Citizens" (1973

• "Privacy and Security Issues in Information Systems" (1976)

• "Information Systems, Security, and Privacy" (1983)

• "The new faces of privacy" (1993)

https://www.rand.org/pubs/authors/w/ware_willis_h.html

Misc

Shoshana Zuboff, In the Age of the Smart Machine: The Future of Work and Power (1988) Notably reviewed in the Whole Earth Catalog's Signal: Communication Tools for the Information Age (1988).

https://www.worldcat.org/title/in-the-age-of-the-smart-machine-the-future-of-work-and-power/oclc/60966402 https://archive.org/details/inageofsmartmach00zubo/page/n7/mode/2up

"Danger to Civil Rights?", 80 Microcomputing (1982)

https://archive.org/stream/80_Microcomputing_Issue_26_1982-02_1001001_US#page/n295/mode/2up (https://news.ycombinator.com/item?id=14329877)

"Computer-Based National Information Systems: Technology and Public Policy", NTIS (September 1981)

http://govinfo.library.unt.edu/ota/Ota_5/DATA/1981/8109.PDF

"23 to Study Computer ‘Threat’" (1970)

https://www.nytimes.com/1970/03/12/archives/23-to-study-computer-threat.html

The Stanford Encyclopedia of Philosophy

"Privacy and Information Technology" bibliography is largely 1990--present, but contains some earlier references.

https://plato.stanford.edu/entries/it-privacy/#Bib

Similarly "Privacy"

https://plato.stanford.edu/entries/privacy/

Credit Reporting / Legislation

US Privacy Act of 1974

https://www.justice.gov/opcl/privacy-act-1974

Invasion of Privacy Act 1971 - Queensland Government, Australia

https://www.legislation.qld.gov.au/view/pdf/inforce/current/act-1971-050

Arthur R. Miller, The assault on privacy: computers, data banks, and dossiers

https://archive.org/details/assaultonprivacy00mill/page/n7/mode/2up

"The Computer, the Consumer and Privacy" (1984)

https://www.nytimes.com/1984/03/04/weekinreview/the-computer-the-consumer-and-privacy.html

Richard Boeth / Newsweek

The specific item I'd had in mind:

Richard Boeth, "Is Privacy Dead", Newsweek, July 27, 1970

http://www.thedailybeast.com/articles/2013/06/11/is-privacy-dead.html%EF%BB%BF

Direct PDF: https://assets.documentcloud.org/documents/712228/1970-newsweek-coverstory-privacy.pdf

Based on an HN comment: https://news.ycombinator.com/item?id=24851736

#privacy #surveillance #panopticon #PaulBaran #WillisWare #RAND #ShoshanaZuboff #RichardBoeth #CreditReporting

On authors who were publishing information technology panopticon concerns in the 1980s, or earlier

A quickie dump.

Paul Baran / RAND

• "On the Engineer's Responsibility in Protecting Privacy"

• "On the Future Computer Era: Modification of the American Character and the Role of the Engineer, or, A Little Caution in the Haste to Number"

• "The Coming Computer Utility -- Laissez-Faire, Licensing, or Regulation?"

• "Remarks on the Question of Privacy Raised by the Automation of Mental Health Records"

• "Some Caveats on the Contribution of Technology to Law Enforcement"

Largely written/published 1967--1969.

https://www.rand.org/pubs/authors/b/baran_paul.html

Willis Ware / RAND

Too numerous to list fully, 1960s --1990s. Highlights:

• "Security and Privacy in Computer Systems" (1967)

• "Computers in Society's Future" (1971)

• "Records, Computers and the Rights of Citizens" (1973

• "Privacy and Security Issues in Information Systems" (1976)

• "Information Systems, Security, and Privacy" (1983)

• "The new faces of privacy" (1993)

https://www.rand.org/pubs/authors/w/ware_willis_h.html

Misc

Shoshana Zuboff, In the Age of the Smart Machine: The Future of Work and Power (1988) Notably reviewed in the Whole Earth Catalog's Signal: Communication Tools for the Information Age (1988).

https://www.worldcat.org/title/in-the-age-of-the-smart-machine-the-future-of-work-and-power/oclc/60966402 https://archive.org/details/inageofsmartmach00zubo/page/n7/mode/2up

"Danger to Civil Rights?", 80 Microcomputing (1982)

https://archive.org/stream/80_Microcomputing_Issue_26_1982-02_1001001_US#page/n295/mode/2up (https://news.ycombinator.com/item?id=14329877)

"Computer-Based National Information Systems: Technology and Public Policy", NTIS (September 1981)

http://govinfo.library.unt.edu/ota/Ota_5/DATA/1981/8109.PDF

"23 to Study Computer ‘Threat’" (1970)

https://www.nytimes.com/1970/03/12/archives/23-to-study-computer-threat.html

The Stanford Encyclopedia of Philosophy

"Privacy and Information Technology" bibliography is largely 1990--present, but contains some earlier references.

https://plato.stanford.edu/entries/it-privacy/#Bib

Similarly "Privacy"

https://plato.stanford.edu/entries/privacy/

Credit Reporting / Legislation

US Privacy Act of 1974

https://www.justice.gov/opcl/privacy-act-1974

Invasion of Privacy Act 1971 - Queensland Government, Australia

https://www.legislation.qld.gov.au/view/pdf/inforce/current/act-1971-050

Arthur R. Miller, The assault on privacy: computers, data banks, and dossiers

https://archive.org/details/assaultonprivacy00mill/page/n7/mode/2up

"The Computer, the Consumer and Privacy" (1984)

https://www.nytimes.com/1984/03/04/weekinreview/the-computer-the-consumer-and-privacy.html

Richard Boeth / Newsweek

The specific item I'd had in mind:

Richard Boeth, "Is Privacy Dead", Newsweek, July 27, 1970

http://www.thedailybeast.com/articles/2013/06/11/is-privacy-dead.html%EF%BB%BF

Direct PDF: https://assets.documentcloud.org/documents/712228/1970-newsweek-coverstory-privacy.pdf

Based on an HN comment: https://news.ycombinator.com/item?id=24851736

#privacy #surveillance #panopticon #PaulBaran #WillisWare #RAND #ShoshanaZuboff #RichardBoeth #CreditReporting

On authors who were publishing information technology panopticon concerns in the 1980s, or earlier

A quickie dump.

Paul Baran / RAND

• "On the Engineer's Responsibility in Protecting Privacy"

• "On the Future Computer Era: Modification of the American Character and the Role of the Engineer, or, A Little Caution in the Haste to Number"

• "The Coming Computer Utility -- Laissez-Faire, Licensing, or Regulation?"

• "Remarks on the Question of Privacy Raised by the Automation of Mental Health Records"

• "Some Caveats on the Contribution of Technology to Law Enforcement"

Largely written/published 1967--1969.

https://www.rand.org/pubs/authors/b/baran_paul.html

Willis Ware / RAND

Too numerous to list fully, 1960s --1990s. Highlights:

• "Security and Privacy in Computer Systems" (1967)

• "Computers in Society's Future" (1971)

• "Records, Computers and the Rights of Citizens" (1973

• "Privacy and Security Issues in Information Systems" (1976)

• "Information Systems, Security, and Privacy" (1983)

• "The new faces of privacy" (1993)

https://www.rand.org/pubs/authors/w/ware_willis_h.html

Misc

Shoshana Zuboff, In the Age of the Smart Machine: The Future of Work and Power (1988) Notably reviewed in the Whole Earth Catalog's Signal: Communication Tools for the Information Age (1988).

https://www.worldcat.org/title/in-the-age-of-the-smart-machine-the-future-of-work-and-power/oclc/60966402 https://archive.org/details/inageofsmartmach00zubo/page/n7/mode/2up

"Danger to Civil Rights?", 80 Microcomputing (1982)

https://archive.org/stream/80_Microcomputing_Issue_26_1982-02_1001001_US#page/n295/mode/2up (https://news.ycombinator.com/item?id=14329877)

"Computer-Based National Information Systems: Technology and Public Policy", NTIS (September 1981)

http://govinfo.library.unt.edu/ota/Ota_5/DATA/1981/8109.PDF

"23 to Study Computer ‘Threat’" (1970)

https://www.nytimes.com/1970/03/12/archives/23-to-study-computer-threat.html

The Stanford Encyclopedia of Philosophy

"Privacy and Information Technology" bibliography is largely 1990--present, but contains some earlier references.

https://plato.stanford.edu/entries/it-privacy/#Bib

Similarly "Privacy"

https://plato.stanford.edu/entries/privacy/

Credit Reporting / Legislation

US Privacy Act of 1974

https://www.justice.gov/opcl/privacy-act-1974

Invasion of Privacy Act 1971 - Queensland Government, Australia

https://www.legislation.qld.gov.au/view/pdf/inforce/current/act-1971-050

Arthur R. Miller, The assault on privacy: computers, data banks, and dossiers

https://archive.org/details/assaultonprivacy00mill/page/n7/mode/2up

"The Computer, the Consumer and Privacy" (1984)

https://www.nytimes.com/1984/03/04/weekinreview/the-computer-the-consumer-and-privacy.html

Richard Boeth / Newsweek

The specific item I'd had in mind:

Richard Boeth, "Is Privacy Dead", Newsweek, July 27, 1970

http://www.thedailybeast.com/articles/2013/06/11/is-privacy-dead.html%EF%BB%BF

Direct PDF: https://assets.documentcloud.org/documents/712228/1970-newsweek-coverstory-privacy.pdf

Based on an HN comment: https://news.ycombinator.com/item?id=24851736

#privacy #surveillance #panopticon #PaulBaran #WillisWare #RAND #ShoshanaZuboff #RichardBoeth #CreditReporting