[mindslight]

Precisely. And if you are denied something based on the credit bureaus' negligently constructed profiles, sue them for libel.

Their whole system is based on an antiquated idea of singular "identity" that only worked when it was one small part; it simply doesn't scale. Some arbitrary facts about a person do not form a legitimate authorization mechanism!

The only way things are going to change is for people to realize they have absolutely no responsibility for a third party being defrauded.