Epic Poem: Financial Data Privacy & the Quest for Justice

History & Legislative Intent

Dirty Little Secrets The Untouchables: Black Data Boxes

“Black box databases.”

“Sharing information with affiliates is simply not fair, because consumers have no access, knowledge of, or control over the use of their information…Consumers should have the right to look at their file and to dispute the file…”

“These large banks are using consumer information to create unregulated databases. It could be used to redline people — and they wouldn’t even know about it…”

Employer Provisions

Form-Nation

Taken from: Privacy Law in 60 Seconds

Privacy Rights Under FCRA

  1. The right of an Adverse Decision Letter Notification
  2. Consumer disclosure, or the right to know what is in your file under certain qualifying criteria
  3. The right to request a credit score
  4. The right to dispute incomplete or inaccurate information
  5. The right to require consumer reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information
  6. The right to privacy; access to your information is limited
  7. The right to give or deny consent for such
  8. The right to opt out of prescreened offers
  9. The right to sue for damages

FCRA v. FACT

Un-Winning — Score of Bias AKA Pay Per Play

“The more any quantitative social indicator is used for social decision-making, the more subject it will be to corruption pressures and the more apt it will be to distort and corrupt the social processes it is intended to monitor.”

Mr. Smith Goes to Washington: The Congressional Hearing of Equifax.

“Fraud is a huge opportunity for us; it is a massive growing business for us.” — Mr. Richard Smith

“We don’t feel that credit-monitoring services are worth it,”

Blockchain Will Ensure Effective Data Management

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Frmr. Dir. of Presentations, Athena.Trade | E Media Group | Educator|ADD/ADHD Coach |M.Ed. |Writer | MLAW |Founder of MinED & Lula & CO|Mom (14yo Gmer./Writer)

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Jenny Balliet

Jenny Balliet

Frmr. Dir. of Presentations, Athena.Trade | E Media Group | Educator|ADD/ADHD Coach |M.Ed. |Writer | MLAW |Founder of MinED & Lula & CO|Mom (14yo Gmer./Writer)

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