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Experian requiring access to my phone carrier account in order to provide my annual free credit report
(lemmy.world)
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.
Can confirm, it is information they already have. Below is likely the API the telco exposes to the bureau. Each data point queried returns true, false, or a confidence score.
It is intended as an anti-fraud tool. Not saying I agree with it. Something like PGP is sufficient for building out a web-of-trust without needing to share my personal information.
https://redocly.github.io/redoc/?url=https%3A%2F%2Fraw.githubusercontent.com%2Fcamaraproject%2FKnowYourCustomer%2Fr1.4%2Fcode%2FAPI_definitions%2Fkyc-match.yaml&nocors=#tag/Match/operation/KYC_Match
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.