Comments to the FTC on Accuracy in Background Checks and Insurance Reports

The FTC should separately undertake a review of inaccuracies in employment reports and insurance claims reports.  From our experience, job applicants and employees encounter significant problems when an erroneous criminal history is reported to an employer. Local, state and federal court records are public records that are available to anyone and are not compiled for the purpose of furnishing data to consumer reporting agencies.

Should Insurance Companies Be Able to Use Credit Reports? A Customer Says "No"

December 31, 1969
December 31,1969

I was told that all insurance companies now do a credit search and that part of setting the insurance rate is based on the result of the credit search. I was not told that any returned rating would allow my insurance rates to go down (perhaps implying that the best credit rating can only minimize rate increases).

Comments to California Department of Insurance Concerning Privacy of Personal Financial and Medical Record Information

We are pleased to see that the proposed regulations, as revised, include a number of changes that will benefit individual privacy interests. We commend the staff of the Department for efforts to balance multiple interests and their willingness to consider our concerns about loss of personal privacy.

Medical Records Privacy: Fears and Expectations of Patients

The title of this talk is "Medical Records Privacy: Fears and Expectations of Patients". So you can get an understanding of my point of view, I want to start out by talking about our project, the Privacy Rights Clearinghouse, and then make several points about the topic.

Joint Comments to the California Department of Insurance Proposed Regulations RH 03031129: Property Loss Databases

A crisis exists in California's homeowner's insurance market. In May of this year, the Department noted a four-fold increase in the number of consumer complaints about homeowner's insurance, topping the Department's complaint hotline.2 Non-renewal of coverage was a leading cause of consumer complaints, nearly always based on information included in a CLUE or A-Plus report. Adverse insurer decisions based upon inaccurate information included in reports was also a leading cause of consumer complaints.

One of the most troubling practices noted was that of a consumer's insurance being cancelled simply because the individual made an inquiry to the insurer without ever having filed a claim for loss.

Comments to the California Department of Insurance Proposed Regulations ER05043832: Property Loss Databases

The Privacy Rights Clearinghouse (PRC) is please to write in support of the Department’s continuing efforts to protect California consumers from adverse insurance decisions based on error ridden claims history reports. A steady stream of consumer complaints filed with the Department as well as the PRC’s experience with consumer concerns make further action by the Department both justified and necessary.

Consumers Can Get Free “Specialty” Consumer Reports Starting December 1, 2004

SAN DIEGO, CA – The arrival of free credit reports on December 1st is getting a lot of attention these days. (www.ftc.gov/bcp/conline/pubs/credit/freereports.htm) But there is another kind of report, called “specialty consumer reports,” that individuals can obtain at no charge beginning on the first of the month. The federal law that requires credit reporting bureaus to provide free reports is the Fair and Accurate Credit Transactions Act, also known as FACTA. The law also gives consumers the right to one free report prepared by a “nationwide specialty consumer reporting agency” that compiles files on consumers.

“Pay As You Drive” Automobile Insurance: Comments on the Need to Guard Personal Privacy

On June 18, 2008, PRC and Privacy Activism responded to a call for comments when DOI first considered adopting a pay-drive program.

Our June 2008 comments discuss the serious threats to privacy inherent in a pay-drive program that depends on data gathered by onboard technology. Our concerns extended not only to the kinds of data collected by installed devices but also to the potential and unforeseen secondary uses of collected data. With few exceptions, our concerns about the threats to privacy and potential secondary uses of data remain essentially unchanged from those expressed in June 2008.

“Pay As You Drive” Automobile Insurance: The Need to Guard Personal Privacy

Privacy Rights Clearinghouse and PrivacyActivism agree that a pay-drive plan that offers financial incentives for those who drive infrequently or who may choose to carpool or take public transportation has enormous potential for reducing traffic and protecting the environment. However, we respectfully disagree with the Commissioner’s statements in his August 3, 2009, press release that the regulations protect the privacy of California drivers.

Also, regrettably, neither the Department’s press release nor the amended regulations explain how the privacy of California drivers is protected.

Pages

Showing 1-10 of 12 results
Subscribe to insurance