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by fixermark 2996 days ago
Ah, quite correct. I meant to say "Consumer reporting agencies" and let "credit" slip in there as a side-effect of my personal experience. :)

https://files.consumerfinance.gov/f/201604_cfpb_list-of-cons...

... but I think you answered the relevant question, which is that you consider opt-in to having your behavior tracked (even when that behavior interacts with third parties, e.g. visiting someone's website or buying a product from someone's company) morally key. I think the CFPB document I linked above indicates that this is not a universally-accepted principle.