Chronology of Data Breaches: FAQ


Chronology of Data Breaches: FAQ

"Other" Consumer Reports: What You Should Know about "Specialty" Reports


Fact Sheet 6b"Other" Consumer Reports:
What You Should Know about "Specialty" Reports

Despite its name, the Fair Credit Reporting Act covers a lot more than simply credit reports. Credit reports are just one of a broader category of consumer reports covered by the FCRA. Consumer reports can also include reports about you made to employers, insurance companies, banks, and landlords. In recent years, many new companies have sprouted, compiling reports specifically targeted at employers, insurers, and landlords. The companies that compile reports for targeted users are “consumer reporting agencies” under the FCRA, just like the three national credit bureaus: Experian, TransUnion, and Equifax.

Companies that compile reports on consumers for other than credit have been designated by Congress as “nationwide specialty consumer reporting agencies.” These agencies compile reports about much more than just your credit history. Here are a few examples of the types of reports that they compile:

  • Medical conditions (for example, the Medical Information Bureau (MIB) report)
  • Residential or tenant history and evictions (for example, the Unlawful Detainer (UD) Registry)
  • Check writing history (for example ChexSystems)
  • Employment background checks
  • Homeowner and auto insurance claims (for example, CLUE reports)

From Cradle to Grave: Government Records and Your Privacy


Fact Sheet 11From Cradle to Grave:
Government Records and Your Privacy

Oct. 11 Privacy Event: The Digital Collection of Personal Information from Consumers and Citizens


In Washington D.C. on Tuesday, October 11, privacy and civil liberties experts will convene to discuss how the digital collection of personal information harms consumers and citizens. Every day, companies amass information about consumers via online tracking, digital devices, and public records. These practices are largely unregulated, but have serious consequences for consumers and society.

The panel will be from 8:45 a.m. until 11:00 a.m. Eastern. Watch LIVE online at http://www.visualwebcaster.com/ProtectingConsumerPrivacyOnline.

The event is sponsored by the ACLU, Center for Digital Democracy, Consumer Action, Consumer Federation of America, Consumers Union, Consumer Watchdog, Electronic Privacy Information Center, Privacy Rights Clearinghouse, US PIRG and World Privacy Forum.

PRC Responds to FTC's Proposed Privacy Framework


On Feb. 18, Privacy Rights Clearinghouse (PRC) submitted comments to the Federal Trade Commission (FTC) on its preliminary report, “Protecting Consumer Privacy in an Era of Rapid Change: a Proposed Framework for Businesses and Policymakers.”  PRC commended FTC for recognizing the growing need for stronger consumer privacy protection both offline and online. However, PRC believes that self-regulation is ultimately not enough and that truly effective privacy protection is best accomplished through federal legislation. PRC’s comments focused on two major privacy issues: online behavioral advertising and data brokers.

The Proliferation of Online Information Brokers and Reports of Abuses of Consumer Privacy


The Privacy Rights Clearinghouse (PRC) appreciates the opportunity to submit the following comments on the online information broker industry to the Federal Trade Commission (FTC) as part of the agency’s deliberations for the Privacy Roundtables series.

The online information broker industry has come to the forefront of consumer privacy issues in recent years. Information brokers are companies that compile information on individuals via public, semi-public and private records and offer this information via online “lookup” services, often with no questions asked. Some charge a fee while others provide their services at no charge. Consumers who are attempting to limit the availability of their personal information, due to concerns about privacy, safety or identity theft, have lodged numerous complaints against this industry with the PRC over the years.

The Proliferation of Online Information Brokers: Noncompliance with Their Own Privacy Policies and Other Problems


There are dozens of information brokers in the marketplace today that make information about individuals widely available, often with no questions asked, some of them at no charge and others for a fee.

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