Re: I think Experian has had enough chances
They do have too much power.
I've discovered that if you don't have a rating - you fall off their records after some years with no use of credit and always paying any bills (no strikes on that permanent record your mom warned you about) -
Then the US social security administration will not let you create the standard "MySSA" account online for dealing with the various issues one encounters with social security.
No big deal?
Well, with the paperwork reduction act, they no longer really have facilities to handle you any other way. Yes, there's a phone number - you wait for an hour after an insane - 45 minute tour of the system with a robot asking questions, to get to someone who doesn't normally deal with customers and doesn't know why their phone rang. This may be good, no one else gets through because they hang up during the 2 hour wait - or their battery runs down,, and the person is often nice as they aren't on a firing line all the time.
I've had doctors demand some info from the SSA "this week" for qualifying for a particular fee schedule - and the only way I can get that is ask via mail in writing - takes about a month.
I called SSA to find all this out - the rep said "well, if Experian or Equifax doesn't have you, we have to assume it's some kind of ID fraud, everyone legit is a debt slave".
The US government doesn't know their own citizenship. Let that sink in.
Virtue is therefore penalized, and a private agency has far too much power. There's less than a snowflake's chance in hell this will change - they also sell the governments of the world data on you that they couldn't get legally otherwise, and it's the kind of data that makes Google, MS and others look like they are selling catnip in the marijuana market.
The definition of Fascism used to be some sort of crony public-private partnership. Dunno why people are just now using that word again - it's been quite a few changes of political power and this kind of thing has been going on for all of them - not just the current objects of hate.