A request for a fraud alert must be made directly by the consumer, or
directly by an individual acting on behalf of or as a personal
representative of the consumer. The Committee used the word
‘individual’ instead of ‘person’ to ensure that the provision would
only apply to specific individuals such as a consumer’s authorized.
Rejecting the consumer rights to engage a corporation to protect their ID.
When Experian failed to act to protect those same consumers,
while making billions off those same consumers.
Judge Guilford it would seem had the power and the responsibility
to protect consumers Experian was not and is not protecting,
The loss to Experian is minimal, their systems are automated
and web based. It is Experians business plan that failed to protect
consumers leading to the market demand for Life lock.
Our award to judge Guilford stands.
And a summary judgement is not evidence of a
valid ruling, For justice to prevail Judge Guilford
should be reversed.
Sections excerpted from the Judges
The big three credit corps have it within their power to wipe out ID theft, but that would mean sending out millions of automated emails
a day, telling people what is going on in their accounts.
Like life lock did.
The credit corps pradigm
says there no profit in protecting consumers,
and they are not protected,
If they request protection,
they can get it for only 90
days, thats what the law says
they have to do, of course they could make protection available free, automated emails, but that would be a "COST", they are not willing to incur.
It feels like "lets see how much we can screw the consumer, legally".
Identity theft is one such crime. It is the fastest
growing type of fraud in the United States; in 2008 about 9.9 million Americans were reportedly
victims of identity theft, an increase of 22% from the number of cases in 2007. In addition, the
Federal Trade Commission (FTC) estimates that it costs consumers about $50 billion annually.
Identity theft is often committed to facilitate other crimes such as credit card fraud, document
fraud, or employment fraud, which in turn can affect not only the nation’s economy but its