The unfinished business of the Equifax hack

 

Source: Editorial Board - Bloomberg News

Congress needs to address the failures of credit reporting.  Here’s what Congress can do:

  • Place the burden of proof on companies in consumer disputes. If they can’t demonstrate that the information in question is correct, they should remove it.
  • Make security freezes the default option, by requiring the companies to release personal information only with a consumer’s express consent.

 

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