Then I discovered The Work Number — a database that reports every paycheck I’ve received from my company, with net and gross amounts, going back to my hire date six years ago.
Another consumer reporting agency shows the results of a 2016 echocardiogram. (It was normal.) Yet another tracks insurance claims on my home and car. If I’d made too many returns at retail stores or bounced a check at a casino, that could show up in a database as well.
“Any data point that someone can track, there’s going to be a bureau or someone gathering information and selling that information,” says Matthew Loker, a consumer protection attorney in Arroyo Grande, California.
Unfortunately, not all the information being reported is accurate — and mistakes can have serious consequences. Loker says one of his clients lost a lucrative job offer because an employment screening company confused her with a drug smuggler. By the time the error was fixed, the position was filled. Other people have been denied insurance, apartments, bank accounts and government benefits because of database errors.
But discovering and correcting mistakes is no small task.
DOZENS OF COMPANIES ARE TRACKING US
The Consumer Financial Protection Bureau maintains a list of consumer reporting agencies that’s currently 38 pages long. In addition to the big three credit bureaus — Equifax, Experian and TransUnion — the list includes 22 employment screeners, 10 tenant screeners, six check and bank screeners, four insurance reporting agencies and two medical information companies, among others.
Denne historien er fra December 31, 2022-utgaven av Techlife News.
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Denne historien er fra December 31, 2022-utgaven av Techlife News.
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