[lisarea]

Yeah, that I don't get either. I mean, I guess I understand that you wouldn't be legally prohibited from starting a credit reporting agency. We have barely any privacy protections for individuals in the US, so yeah, the part where they stalk you throughout your life and try to gather information that's none of their business is perfectly legal. That should be illegal, but it's not.

But that information is wrong all the fucking time, and that wrongness often has direct financial costs for the people they're being wrong about, so I don't get how the business model works. How are they not being sued out of existence by people who have suffered economic damages as a result of the credit agencies recklessly repeating false information about them that ends up clearly and provably damaging them financially?