I spent the weekend researching data removal methods and decided to start with my credit report. I’m not even going to get into all of the alarming privacy invasions that popped up during this process. But when I got to the experian report, I was met with T&C box that says I have to hand over my phone carrier info and it wouldn’t let me proceed without doing so. The bureaus are legally required to give you one free report a year. It’s bad enough that these companies are even given rights to my data and now they’re using it to request further information.

I’m just so angry, frustrated, and violated.

51 points

Been a while, but in several US states where the free report was mandated, they also allowed a request to be mailed in, of even faxed. Old school, but I would be surprised if they don’t still have some of those methods, and probably don’t require web form consents to privacy invading terms.

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9 points

I’m pretty sure that federally it’s mandated that you have to be able to mail it in.

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2 points

If you don’t pay a bunch extra for some sort of certified mail, you don’t have proof of mailing and they can ignore you.

Not legally, but also yes legally.

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1 point
*

Credit reporting agencies are legally required to provide you a copy for free. However, like all billionaire corporations, they have become so confident in their ability to manipulate both the government and the public’s ability to make informed decisions, that they know longer care to hide the fact that they are committing a crime.

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7 points

I tried the mail in form and it was ignored

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1 point
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Thank you for pointing this out. We all know the facade of end-user control (data opt-outs, deletion requests, report downloads., etc) leads nowhere. But I appreciate the someone who does go down that rabbit hole just to document the law-breaking at the end of the tunnel.

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1 point
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Deleted by creator
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-14 points

Don’t use credit.

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11 points

Good luck with that.

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5 points

That may be viable for some combinations of finances and lifestyle, but credit scores are used in interactions that don’t involve borrowing money. I’m inclined to believer they shouldn’t be, but I don’t make the rules.

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4 points

Good luck with that in the US. Credit is like a shitty pay to win scheme that you’re required to play. Some jobs check your credit report and unless you have cash to buy a house you’d be fucked without credit.

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35 points
*

Write them a physical letter. Tell them phones are against your religion. You are amish now.

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-8 points
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Try GDPR them. Fuck their form.

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1 point

German democracy volk republic?!

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12 points

Why would a US credit agency care about the GDPR?

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4 points

I wonder if it affects them if they are collecting purchasing data from US citizens residing in the EU. If nothing else, the US military and diplomats are there. From what I’ve found, it protects anyone in the EU, citizen or not.

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4 points

Us corporate doesn’t follow domestic law, cute of you to assume they would follow a foreign country’s laws.

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5 points

No applicable here, like at all

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13 points

I’m not really sure what you expect to be able to do with your credit report, but you should request it through https://www.annualcreditreport.com/. That’s the legit source.

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14 points

This happened on annualcreditreport.com.

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