[Aqueous]

Experian's entire business model is built around collecting data about people who have never interacted directly with Experian. In fact, our entire system of credit would break down unless there were ways for lenders to know the credit-worthiness of their borrowers. Now, very good arguments can be made that credit rating has an inherent conflict of interest if privatized. But that's another conversation. In this one, we seem to continually fail to distinguish between 'information about you' and 'private information.' There is clearly a distinction. Figuring out exactly what that distinction is almost certainly a regulatory problem.

[simongr3dal]

People report their personal wealth and income to the local tax authority every year, presumably that tells you something about a person's financial credibility.