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.
This is not a verification request. If you look at the screenshot, they are explicitly asking to have access to the intimate data that my cellular carrier is willing to transfer to them, given my perpetual release of it. Probably because of an existing bargain between the two parties on how much each will bid if one takes on the other’s liability (phone company advertises they won’t release all your data forever > but phone company promotes credit company > credit company boldly requests usage data > credit company pays phone company and both win).
These are corporations who make their money by selling peoples’ data. Offering a free copy of the report is and always was just a pacifier for the privacy advocates who wanted legislation. They don’t actually have any interest in providing credit reports to the “consumer” securely or within the legally required timeframe. Their interest is in obtaining more data and in the security/validity of their own harvested datum, which are assets to them.
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.
There is no accessible option to request by mail. There is a tiny link (Contact us) that leads to a handful of FAQs. This isn’t a post in the Credit Report community. I’m not asking for advice on cred it report printing. I’m pointing out the blatant attempt by a $6b company to usurp even more rights to individuals’ lives than they already have.
Please stop with the defiling of the word ‘Fraud’. Fraud does not mean someone who claims ownership of their own identity. A $20 billion dollar association (CDIA) missing a handful of verified data points on someone’s life doesn’t constitute fraud. We’re talking about a corporation whose whole market is based on repurposing the data they collect about us. So if you’re going to make an inference as to their intention, assume it’s the one they have had since 1970. To gather more information about the public for profit and control.
It’s not, or they wouldn’t need to request my explicit permission to obtain it. You don’t need to guess what it’s for because we know that credit “bureaus” exist to profile “consumers” and sell their information, whether aggregate or personal. They’re asking to gain access to my carrier account and my device information. This is about data inventory. The credit bureaus know who has it and want permission to buy it from them.
It’s not authentication. They are specifically requesting access to cellular information that my service provider can’t sell to them unless I give them authorization. Authorization to obtain my most intimate data (communication usage) in order to complete their data profile on me is not the same thing as authentication.
I’m so tired of having no rights to privacy simply because I live in America.
Your phone number is linked to your social security number in the data marketplace. So it’s kind of the same thing except only powerful corporations can access it and not just a random individual.
Not just for banking. For any app that does not need to know my entire work, housing, medical and purchase history, and my entire contact list just to make a transaction on their app.
Why would we assume the VOIP company isn’t selling our data?
It’s not really compromising but that the VOIP service sells or shares my info as part of their T&C so it would mean having the same level of security as my putting my primary phone number out there, only now I have 2 entities selling & sharing my info, plus the VOIP cost.
ADP.com > menu > sign in > need help signing in > my current employer uses ADP
If the person does currently work with a company using ADP, it will work 100% of the time.
If the person USED to work for a company using ADP, it will work some of the time. I’m guessing it has to do with the particular ADP/subsidiary services used by the most recent employer. That’s just a guess.
You’re right. One can always email privacy@adp.com if they don’t live in the state of California and are looking to waste some time and blood pressure points.
Sorry, friend! ADP stands for Automatic Data Processing. They are a leader in the Payroll & HR solutions. Its where you go to view your paycheck or update your insurance beneficiary information.
Hey, now. Don’t go blaming the person who is calling attention to negligence of another. 5 years ago, ADP had user support service to handle login issues. But with the diminishing right to privacy in recent years, it is much more convenient for them to simply give the information away.
Your fingerprint, voice, face, IMEI, IP address, VPN provider, geolocation, wireless service, cell signal, Bluetooth band, battery usage, browsing history, email address, email domain, access patterns, naming habits, interests, verbiage patterns, are all things that can be used to identify you. Even if you’ve limited use of those things and more, you just listed 3 other companies who all are collecting data on you and sharing it in realtime to the company who’s site you’re trying to access.
My advice to you is to either comply and ask them how to lift the ban or get away from the site and stop selling your identity for free. Then do some HARD copy book reading on privacy. I could recommend a few but I don’t want to be confused for the propaganda posts that flood this community.