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Privacy - what happened to it?

Tuesday, September 02, 2008

Democrats published Palin’s personal data and partial SSN

What a bunch of flaming assholes.

As I was viewing the “opposition paper” posted at BREAKING: Democrats Release Sarah Palin’s Social Security Number, they removed the at least 60 page long pdf.  Hopefully they’ll put the REDACTED version back up.

In the paper, they redacted only the last four digits of Palin’s social.  At her age, THOUSANDS of people have those last four digits, from the employees at PayPal to the bank to the phone company to the power company.  It’s THE most used method to verify ID.

The Democrats are such scum, trying to make Bush look good?

I also saw that Palin’s husband is this HORRIBLE person who got a ticket for riding an ATV in a prohibited area.  These days, going just about anywhere on anything is prohibited.

Hold a flower up to cops in a public area and get pepper-sprayed in the face:

OUCH!!! Welcome to the new America!

Thursday, August 30, 2007

Phoenix federal judge Robert C. Broomfield at peoplefinders.com

http://www.peoplefinders.com/Summary.asp?ln=Broomfield&fn=Robert&mn=&city=&state=AZ&dobmm=&dobdd=&doby=&age=&x=24&y=21&vw=people&input=

It’s funny that he’s shown as BROOMFIELD, JUDGE ROBERT, a TYPICAL incorrect name on Experian reports. 

Experian retains ALL information EVER provided about you by anyone.

So when a creditor misreads the info on the application, that’s what Experian reports INDEFINITELY.  Apparently judge Broomfield applied somewhere as “judge Robert Broomfield” and some clerk thought it was his middle name and reported as such to Experian.

You can see the many different name variations and he sure has a big family.  He might have had kids added as AUs, don’t know how all these different names show up.

You may recall that a Phoenix marshal made a 500 mile round trip to my house because I posted here that I might want to post judge Broomfield’s address or credit report after he refused to remove my unredacted credit reports (filed by Experian and ConsumerInfo.com) from the public access PACER system.

Will they send a marshal to Peoplefinders.com?

Peoplefinders.com uses Experian data?

A reader recently posted with privacy concerns about http://www.peoplefinders.com/:

“… They list names for me that can not be obtained from anywhere else BUT my credit report. A year ago my daughter-in-law used my address when she was applying for a couple jobs. She shows up as a “possible room-mate” of mine. Again, the only way this information could be obtained by People-Finders is from the credit bureaus.”

I just spent a few minutes to check it out and I agree.  It sure looks to me like they have access to credit report data and my guess is it’s Experian due to the number of addresses. 

Interestingly, it seems like a somewhat outdated Experian database, at least 6 months old.  Has Experian SOLD the data or has some Experian employee sold data without permission as recently at Certegy?

Or does Experian sell a “snapshot” of all personal data occasionally?

People Search

Find anyone, anywhere. Search more than a billion public records and 12 databases to locate people using: white pages, public records, addresses, phone numbers, yellow pages, criminal records, background checks and sex offender registries.

I’m extremely busy for the next month, so I don’t have time to look into this much.  But I’d sure like to find out how they have everybody’s addresses for the previous 20+ years.  I can see that they are using various databases depending on the CITY I use for a search for myself.

From the sample report:

Comprehensive Background Report - $39.95 view sample

May include:

* Current address and phone numbers
* Past addresses and phone numbers
* Birth date
* Aliases & maiden names
* Marriages & divorces
* Bankruptcies, tax liens & judgments
* Relatives, roommates & neighbors
* Property ownership & web site ownership

Is it legal to provide peoples’ personal data including all these previous addresses, birth date?  The only thing missing is the social security number.

This is every ID thief’s dream come true.

Wednesday, February 14, 2007

Proof that Experian ILLEGALLY sells consumer credit data for less than $1

Today I got some junk mail from IMC List Services.

From http://www.imclistservices.com/listsvcs/:

Since all successful campaigns start with good data, IMC List Services provides what is considered to be the best data available. Our Experian relationship enables us to offer Trigger Data, Advanced Select Prescreen Data and much more by using their repository. We are able to offer all of this data with no long term contracts or setup fees. Even a small office can now “run with the big dogs” by having access to the most sophisticated and responsive data on the market.

From http://www.imclistservices.com/listsvcs/trigger.html :

How many of your prospects would turn into funded loans if you knew before talking to them that they met this criteria!Within the last 24-36 hours the prospect had one of these events occur:

1. Mortgage inquiry
2. HELOC inquiry
3. 30 days late on current mortgage
4. Over the limit on a credit card
5. Bank or credit card inquiry

From http://www.imclistservices.com/listsvcs/Select.html :

Proven over the years Experian’s Advance Select credit and demographic database can deliver qualified and interested borrower’s for your loan officers to close. There are over one hundred criteria to select from and the actual Experian credit score appears on the lead. Typical criteria selects include:Homeowner has credit score of 525 or higher

Homeowner has $10,000 in revolving debt

$75,000 minimum mortgage balance

Mortgage seasoned at least 1 year

View a sample “lead”

The FCRA allows creditors to obtain this info for a FIRM offer of credit to consumers who did NOT opt out of promotional offers.  This has NOTHING whatsoever to do with a firm offer of credit: 

Experian is selling LEADS.

They don’t even pretend anymore that they comply with the FCRA, they feel so safe in our corrupt system.  An offer to extend credit is not mentioned ANYWHERE on this site.

The bought and paid for Congress removed the private right to sue for these FCRA violations with the FACT Act and the corrupt regulators who are now the sole enforcers do NOTHING to enforce the FCRA.

Do I need to point out that the LOW SCORERS are targeted?

People with financial problems are the banksters’ most profitable customers.  That’s why Experian does whatever it can to ensure that the credit reports contain as much false data as possible.

If any readers have access to more info (is IMC an Experian company?) and especially PRICING, please post a comment or contact me privately.

UPDATE:

I had a closer look at the bizarre e-mail, almost everything is in “strike-out” and it’s hard to read.  The leads are sold for “as little as $1” and apparently they are RESELLING the credit data.

Each month, we ask Experian to monitor all of the people in a given region who fit all of the criteria above. Once monitored, we then ask them to immediately deliver any people who have had a mortgage inquiry.

We pay so you don’t have to

We pay extra so you can get trigger records faster than most
We pay more for the appended phone search to help improve your chances of contacting them
We scrub all records against the Federal & State DNC lists.
We challenge you to compare our trigger data and price (as low as $1) with anyone else in the m arketplace.

So they buy the data from Experian, scrub it and then sell the leads to ANYONE who wants to buy.  Just WONDERFUL!

Here is the junk mail, apparently sent by a very low budget spammer:  http://creditsuit.org/images/uploads/2-14-07--IMC-junkmail.pdf

This is so illegal.  I’m sending this URL to Experian’s attorney Marc Carlson with Jones Day at and Michael McCaughan at for comments.  Mr. McCaughan is the sole contact for the IMC domain registration.

And if I don’t get a satisfactory response, I’ll post this issue at http://creditlegislation.org/ and I’ll send my complaint to the FTC.  Not because they’ll do anything, but to be able to DOCUMENT their corruption when I contact legislators.

Thursday, September 21, 2006

800 ChoicePoint ID theft vicims got no payments from $5,000,000 fund?

According to this article at CollectionIndustry.com, the FTC keeps the ChoicePoint ID theft victims from getting settlements.

Quite unbelievable!

But then again, it’s the FTC, so why am I surprised?

ChoicePoint Data Breach Victims Still Await Payments
September 21, 2006

by Mike Bevel, CollectionIndustry.com

Happy almost-eight-month-versary to defrauded ChoicePoint customers! You’re still without any kind of cash settlement, though, right?

ChoicePoint is one of the largest data aggregators and resellers in the country. What does this mean? It means they collect your personal information and sell this information to marketing firms and advertisers – not to mention employers, debt collectors, loan officers, media organizations, law offices, law enforcement, etc.

It’s legit – if sticky – and few people knew about ChoicePoint or ChoicePoint-esque operations – until data thieves opened fake accounts at ChoicePoint and had access to roughly 19 billion records.

Federal regulators stepped in, and they secured a settlement with ChoicePoint (whom they found to be liable for the breach) to compensate the 800 folks affected by the breach. A fund was set up with $5 million dollars.

The Federal Trade Commission also has not yet implemented procedures for how the 800 fraud victims it has identified so far can apply for and receive compensation from the fund, nor has it hired anyone to administer the fund on behalf of the agency, FTC spokeswoman Claudia Bourne Farrell told the Associated Press.

The delay is being attributed to a cautious investigation. Jessica Rich, assistant director of the FTC’s division of privacy and identity theft, said that “law enforcement is still identifying victims, and we want to make sure we have the right people.”

Law enforcement will be identifying victims FOREVER.  The illegally obtained data is out there, it is actually quite likely that Ed Magedson (Ripoff Report) obtained MY data (he e-mailed me Steve Miller’s personal identifying data for publication, probably obtained from ChoicePoint) and my data could be used ANY TIME.  Today, tomorrow, or in 25 years.

After all, I can’t change my birthdate, social security number, etc.

And when I tried to report Ed Magedson’s illegal activities, NOBODY gave a rat’s ass. That’s the best part, those morons in “law enforcement” as well as at Kinko’s where he used the computers couldn’t have cared less.