united-states gdpr michigan personal-information credit-report
Legality of Credit Bureaus selling information without consent
<p>I recently had a hard pull for a mortgage done (USA based). Since then, my personal phone number has been bombarded with calls and texts related to &quot;better offers&quot;, despite being registered with the do Not Call Registry (USA based). As I have not consented to having my personal information distributed, nor have I consented to the credit bureaus collecting such information, I feel that a law is being broken with how my information got out. Am I wrong in this line of thinking?</p>
<p><s>Additionally, I am a dual citizen of the USA and Italy. Is there a way for me to leverage GDPR to have this information removed from their records?</s> As per @amon, GDPR does not apply as I and the companies are in the USA.</p>
<p>In the USA, Credit Bureaus are private companies that score you based on many factors to determine how trustworthy you are with other peoples money (for acquiring debt). There is not a good way for an average person to exist without these private companies (mortgages, car loans, etc being tied to their reports), but at the same time, a private company profiting off our information without so much as a hat tip seems, well, wrong.</p>

<p>The First Amendment protects the freedom of the press, which generally includes the right to publish information, including personal information, including for profit.</p>
<p>There are laws limiting a company's ability to call you once you're on the Do Not Call list, but a law restricting a credit bureau from publishing your information is generally going to be unconstitutional.</p>
