This entire posting, the original at The Lantern Journal, with its past updates is being copied and republished at Timeglass Journal on Sunday morning 26 July 2015, instead of being reblogged to Timeglass Journal. It will be reblogged to the new site titled Independent Centrist for Election 2016 political issues.
~ Jim Lantern
This is a separately published posting for this important update, and includes the original posting about this subject, plus additional material.
Note: Some of the Opt Out services require confirmation via email. At least one of them – I don’t know which one – is selling the unique new email address I used for this – resulting in me getting spam emails. I have reason to believe it is worse for people who provide phone numbers and get unwanted phone calls and text messages. In some cases, Opt Out is a scam to get you to provide updated information, which they publish after making it appear they cooperated with allowing you to Opt Out from the already published information to have it all removed.
UPDATE – Tuesday morning 8 July 2014:
My anger at Experian and all of its lying sack of shit sources has gone nuclear, like the 10.0 on the Richter magnitude scale for earthquakes.
The PeopleSmart.com – Opt-Out, the one I was most concerned about, appeared to work well, and worked the way Opt Out should work…
HOWEVER, I just discovered Whitepages.com – Opt-Out is a front for PeopleSmart.com and then I discovered my listing, which PeopleSmart confirmed and I confirmed removed, has been put back and is listed again as if it was never removed! If I go to PeopleSmart.com – Opt-Out, then I can’t find it. But if I go through Whitepages.com – Opt-Out then it shows me the original listing at PeopleSmart.com has not been removed! What a scam! It’s a big massive shell game! Paid membership is required to get the Whitepages.com listing removed from the PeopleSmart.com listing!
Now having time to check the others on the list, I’m discovering more problems.
Here are the others that got it down correctly, so far as I’ve been able to determine…
- Spokeo.com – Opt-out
- PeopleFinders.com – Opt-Out
- BeenVerified.com – LawyerCT’s guide Most professional of all, most effective, and offers optional free account.
The following are uncertain removals yet…
- Radaris.com – Opt-Out This one has information about me that surprised me, including personal photos, which angered me so much that I became dizzy and nearly blacked out. I also discovered “LinkedIn” sells all information on its users so there is no privacy there for what a user does not want general public to see but members may see.
I believe the Opt Out option on the following are scams to acquire more information about you, up-to-date and accurate information they don’t already have. Also, the process they require is inconvenient and very difficult, as well as further violating privacy and security…
- Intelius.com – Opt-out
- Zabasearch.com – Opt-out
- Peekyou.com – Opt-Out is a front for http://www.instantcheckmate.com/ and requires membership payment to Opt Out, the biggest scam of all so far. The information they hint at having on me angers me. The hint itself is Libel with criminal malicious intent. The written form of them having slandered me and seeks payment for details. This one is as bad as Experian itself, if not worse.
- PrivateEye.com – Opt-Out
The following listed to have an Opt Out apparently no longer do have an Opt Out…
- USSearch.com* – Opt-Out
The following do not list me at all…
- USA-People-Search.com – Opt-Out
Sunday 6 July 2014
Important Update on Opt Out of Background Credit Check Information Services on Internet – Most Opt Outs are Scams!
Special Report by Jim Lantern
Finally, something useful! A way to fight back!
In previous articles I’ve reported problems with Experian, as well as its involvement with the Social Security Administration and other government agencies the Obama Administration has contracted it to handle ID confirmation and security for. Briefly to review: Recently, first time in my life, I had cause to check my credit report. I’ll briefly mention the reason why later in this special report. Suffice to note, I had to use FreeCreditReport.com to be able to see my Experian credit report, because Experian at first refused to share it with me. Experian didn’t believe I am me. I was at a dead end. Then when I tried FreeCreditReport.com I was not blocked from seeing it.
I was shocked by the errors in it. Wrong past addresses. My name misspelled, as an alleged alias. Other alleged alias names, one being a cousin same age as me – just a month apart, and we shared an apartment during college back in 1975. I already noticed in the past when I did Internet searches for my name, and found businesses providing background information, that some indicated he might be a relative, and others indicated he might be me using an alias. Problem is, none of them know. All of them are guessing, and then publishing the information as fact. None of them ever asked me. They acted on wrong assumptions. Until recently, I didn’t care. So far as I knew, the wrong information wasn’t harming me.
To get the errors corrected, to dispute each item in the Experian report, I first had to send proof of my ID and current address to Experian’s fix-it branch in Allen, Texas.
Experian added the correct information, but did not remove the wrong information. Experian sent a copy of my credit report to me in US Mail.
Then, from a provided code – like a password, I had access to the part of their website where I can dispute each wrong item in the report. I was able to get one wrong past address removed. I was then directed to contact them by phone or US Mail to dispute the wrong names on my credit report. I’ve got five different names on my credit report. So I mailed in my request to have the wrong names removed. It shouldn’t be a problem. They have proof of my correct name and current address, so it would be logical for them to remove all wrong information. Problem is, Experian has a long history of refusing to do so for most consumers like me.
Today, I realized how unique some of the wrong information is, especially the wrong names on my credit report. So I just did a new Google Search for each one. Yes, all are somehow linked to me. But what is the original source of the wrong information? Some are misspellings. Some are known to be caused by willful misconduct by people working in the personal background information business. Most should come from companies I did business with. Electric companies and phone companies sell the personal information. So does the USPS, especially each time you complete a change of address card for mail forwarding. Magazines do it when you subscribe. If I buy something at Amazon, what I bought and who I am is then sold. I’m certain the bank and debit card I use do it.
Here’s the big revelation. About 90% of the unique wrong information in Experian’s credit report on me is matched by http://www.advancedbackgroundchecks.com/ website search results. No others, so far as I’ve determined.
What’s interesting is Advance Background Checks gets it all from the http://www.peoplesmart.com/ business. Advance Background Check is a front for PeopleSmart, and it doesn’t end there.
PeopleSmart was created by the people who created the http://inflection.com/ business and website. Inflection is not to blame for this situation. PeopleSmart is at fault. Could be honest mistakes. Could be willful misconduct. I’m now leaning in favor of honest mistakes. I now have reason to grant them the benefit of the doubt. I must conclude that all of the false information came from their original sources. I’m not able to trace back that far, but this was enough.
Then I found a useful article…
…Scroll down to the listings of those who offer Opt Out.
Therein, I found the link to Opt Out of PeopleSmart…
It works!!! Almost instantly. As suggested there, I had to clear cookies and history, and wait a few minutes . . . and then POOF! Gone.
I put it to the test. ALL INFORMATION PeopleSmart (and Advance Background Check) HAD ON ME HAS BEEN DELETED – REMOVED FROM THE INTERNET SEARCH RESULTS. I hereby congratulate myself – I no longer exist.
Maybe. Probably. I can’t find me. This does not mean the file has been deleted. Perhaps, for the right people, and the right sum of money, they can make it reappear. No way to be certain. Even so, Opt Out appears to work.
All other background information companies are listed at that very useful article. Even so, I’ve not yet found cause to do so with the same urgency as PeopleSmart and its front known as Advance Background Check. However, I will do so during the next few days as I have time. See what happens.
Problem is, Experian still has the wrong names on my credit report. They almost always insist their sources are flawless, and so they usually refuse to correct any errors. Experian does not have an Opt Out. They would probably fall down and roll on the floor laughing at such an idea. Delete information they can sell – no matter correct or not? Not a chance! It’s an evil greedy money-driven vulture culture business! They don’t give a rat’s ass what the truth is . . . but I have no doubt they would be delighted to sell the rats ass to anyone willing to pay for it. Experian will sell anything to anyone. They would sell the U.S. to China, if Obama wasn’t already doing so.
Recently, Europe forced Google to provide an Opt Out – known as “Forgive” over there – to remove the name of a person and all relating search results. The U.S. has not yet taken legal action to force Google to do the same thing here. If it were done here, then I’d like the option to select which search results I want to be deleted. Some are good. Some are SNAFU. A few are totally FUBAR.
Some websites will cooperate with removing you. Problem is, Google does not cooperate. The original listing remains. It does go to a blank page where the information was deleted. But then Google has its “Cached” memory option, so you can still see the page and information on it before it was deleted. For example, if I write an article, and then a month later delete it, then it can still be viewed with the “Cached” option in Google Search results. Google is not as forgiving as others are. I’m reminded of the scene in Star Wars VI, in which Darth Vader says, “The Emperor is not as forgiving as I am.”
There is another problem, which I recently realized.
All of those background check businesses on the Internet, like PeopleSmart, provide much more information than what appears on my Experian credit report. Including, for example, criminal records, if any. Maybe even just speeding tickets rather than major crimes. Experian offers its full background check services to companies, government, and military, for people seeking jobs, and for security clearances.
I’ve suspected that the problem I’m currently dealing with – access to create a “my Social Security” account online to use the website services of the Social Security Administration – is being blocked for reasons other than or in addition to the information on the Experian credit report I am allowed to see. As is, it appears to be multiple names, wrong past addresses, and one tiny past unpaid debt I didn’t know about. I now suspect there is more, which I’m not being allowed to see. Not in the free version. Maybe not even in a paid version. It might be a more detailed background report only available to certain companies paying for it, as well as for government agencies and the military. Information in the expanded report can be just as wrong as information in the short version I’ve seen. Therefore, even if I convince Experian to correct all of the errors I now know about, there may be others in an expanded report I’m not allowed to see, which can still interfere with what I need to do. For example, as reported by Associated Press, Reuters, NY Times, and others . . . Experian has been putting innocent U.S. citizens on terrorist watch lists, without any just cause or proof. I could be on a terrorist watch list and never know it. Experian itself is becoming a terrorist organization, in a similar way as the IRS, because of how much power it has over its victims and the significant damage it can inflict on any person – including you.
What we need is a delete button for Experian. Press it and Experian gets wiped off of the face of the earth.
I have no doubt, President Obama – who has given government contracts to Experian – is using Experian as a means to try to wipe off of the face of the earth all conservatives, Republicans and members of the Tea Party, as well as other opposition.
Obama needs to be impeached as soon as possible. Experian – having its world headquarters in Ireland – needs to be deported from the U.S. – banned from doing business here in the U.S. – and from elsewhere to do business with any U.S. company, government agency, and military. Experian has the money and power to make Obama’s dictator fantasies come true, but then only to be Experian’s puppet dictator in this country.
Read above article – click on title. Take the POLL there, or here…
It is because of Experian that you are blocked from creating the online account there. Experian gets some of its wrong information from other similar services as reported in the posting about that separate but related issue.
SPECIAL UPDATE – 8:00 a.m. CT Tuesday 18 November 2014
Editorial Article by Jim Lantern
[This was published while I still lived in Norman Oklahoma – 3 May 2008 to 2 May 2012. I moved to Reno Nevada – arrived 4 May 2015 – where I now live.]
8:00 a.m. CT Tuesday 18 November 2014
[I’ve edited out my contact information from the following communications.]
Correspondence (via email to me) from Senator Coburn:
Thank you for contacting me about your concerns with the Social Security Administration’s (SSA) contract with the company Experian. I appreciate hearing from you and I apologize for the delay in my response.
As the Ranking Member of the Homeland Security and Governmental Affairs Committee, potential data breaches within government entities are a great concern of mine, as it is our responsibility to oversee the federal government’s data protection efforts. I would like to investigate this matter further, and learn more information about the potential risks associated with the SSA using Experian.
It appears the contract between SSA and Experian is for approximately $19 million (http://1.usa.gov/1rwYIcM). I am interested to find out how necessary and effective this $19 million contract is, because as you may know, reducing government waste, fraud, and abuse has been one of my top priorities since coming to Congress. My office has determined there are at least 1,362 federal programs, costing at least $364 billion that duplicate or overlap other programs, pointlessly wasting taxpayer money on redundant bureaucratic overhead. My most recent Wastebook (available at http://1.usa.gov/1cqSjZs) details nearly $30 billion in wasteful spending in 2013 alone, and those are only some of the most eye-catching examples. At a time when our national debt is over $17 trillion, it is my goal to eliminate all wasteful spending on programs large and small.
Once again, thank you for bringing this matter to my attention. If you would like to provide more details on the matter, please email DC_Office@coburn.senate.gov. Best wishes.
November 13, 2014
Tom A. Coburn, M.D.
United States Senator
My email reply:
Thanks for your reply. No apology necessary for delay of your response. By the way, over the years, born in 1956, I’ve discovered the higher I go in government the more likely I am to get a reply! I never get replies from local representatives at the city level. I’d expect the opposite because you have more people to represent and they have fewer. With so many more issues to handle, I’m surprised you can reply at all. So thanks for your time.
Before SSA began using Experian, it was easy to use the SSA website, such as to get a confirmation letter for disability benefits needed by OKDHS for SoonerCare.
There is no known logical reason for SSA to create the new “my Social Security” online account system, especially because the former system worked flawlessly.
There is no known logical reason for SSA to involve Experian in the ID confirmation process for creating a new “my Social Security” online account, especially because the former means of confirming ID worked flawlessly.
Other than the reasons provided by SSA for creating the “my Social Security” online accounts system, and use of Experian, there must be another reason – a not yet known reason – why the Obama administration decided to do those two things, and for the related cost to taxpayers that you are concerned about. I understand the cost is important to you, but the why of it all could be a much more terrifying kind of cost. I’m not a conspiracy theory nut. Democrats do things for a reason, especially Statist Democrats more so than Liberal Democrats. The truth is usually a different reason than the one provided by the Democrats.
The process for signing up for a “my Social Security” online account results in a kind of “Catch 22″ problem. The information SSA has on me has always been accurate – thus the previous ID confirmation system worked flawlessly. The information SSA has on me must match the information Experian has on me as the means to confirm my ID to complete the sign-up process to get a “my Social Security” online account. Experian has never had accurate information on me. For example, just the misspelling of my name can cause the ID confirmation process to fail. Westar in Wichita misspelled my name on a bill, which is how Experian got it wrong. The result is Experian claiming I am both the misspelled name and correct name. SSA only shows my correct name for my Social Security Number. Therefore, Experian data does not match the SSA data for my SSN. Therefore, I’m blocked from creating a “my Social Security” online account.
I used a PollDaddy poll at my WordPress site to ask readers if they are having the same problem. I’ve kept the poll open. It has fluctuated 80% to 90% for the people who tried to create a “my Social security” online account and were blocked by Experian.
I used Free Credit Report dot Com to find out what information Experian has on me. I could then see what is not correct. It took 12 weeks to get Experian to correct it all – all that it showed me and I knew about. I have good reason to believe Experian withheld some information it has on record for me – it has more than it showed me – what it showed me is less than it sells to all who want to buy the information. If I were a buyer, then I’d see a more detailed report about me. Experian does not give the complete report to consumers, so I can’t see all of the information Experian has on record for me.
After Experian took over ID confirmation at SSA, Experian sold 200 million Social Security numbers (and all related personal information) to another company. It was a big news story. Then that other company was hacked by an Asian man of a company connected to the government of China. The hacker was caught, but the damage was done. It is not known who all he sold the information to before he was caught.
After making corrections on my Experian credit report, the Experian information should have matched the SSA information on me. So again I tried to create a “my Social Security” online account. Again I was blocked. SSA has refused to take any action to fix the problem or even to determine what is causing the problem so that it can be fixed. Apparently, Experian and SSA can’t do a side-by-side comparison to determine what exactly does not match up in order for my ID to be confirmed. They can’t tell me what does not match in order for me to fix it.
Governors and attorney generals of over 30 states are already suing Experian because of its errors. Experian is the least accurate business of its kind.
I decided to backtrack. Where all does Experian get its information? What are its sources? I did a Google Search using the incorrect information, and found a few of them. Like the People Finder dot com website, for example. I convinced some of those sources to correct the data. What was the source of the sources? Usually businesses that did not record the information correctly – like Westar misspelling my name. Further, some sources are owned by other sources, and those sources owned by other sources, as a kind of pyramid shell game. I traced one to a Liberal Democrat think tank kind of organization associated with a liberal university as legal owner of one of the sources used by another source used by Experian. It appears not all are errors, but that some are deliberately falsified information to harm Republicans, some Independent voters, and any others who do not subscribe to the beliefs of Obama Democrats. The evidence is there, although circumstantial. Just follow the trail of pyramid shell companies. Not hard to do. Then draw your own conclusions.
Briefly, a side issue. Then, when backtracking, I made another stunning discovery. Disgruntled former New Hampshire representative Tom Alciere has been purchasing lists of voters from seven states including Oklahoma. The Oklahoma Election Board can legally sell the lists to candidates for election campaign mailing lists. That’s the intent. Tom Alciere undermines that by publishing the entire lists on the Internet at his websites where anyone (including criminals and terrorists) can access and read the information for free! That’s just one of the reasons why he does that. He hates police, military, and some people like you and me. He is an extreme version of a Libertarian – he is to Libertarians what ISIS is to Islam. The lists include the home street addresses of all registered voters. Remember ISIS asking US domestic terrorists to target police and military in their homes! Now Tom Alciere is making it easy for that to be done. So far, Utah is the only state taking legal action against him to try to stop him.
Perhaps the use of the new “my Social Security” online accounts is a deliberate means to screen out some people, possibly based on political affiliation. Experian has access to voter registration records. Experian was used by Americans Elect to confirm ID, which resulted in a similar problem as the one now with SSA. The real reason why Americans Elect was such a major failure was the involvement of Experian to confirm ID, which resulted in millions of voters being shut out.
Experian is likewise involved with the healthcare dot gov website and has access to manage health care records of people signing up. No doubt about it – Experian is partly responsible for the failure of that website and number of people allowed to sign up. Given that fact, it raises the stunning question: Why would Obama knowingly use Experian to sabotage his number one project? Do you understand? “ObamaCare” was designed and intended to fail. Now, look at what the failure has done – the damage it has done to health care here in the US. It’s intentional. If this goes on, then what is the ultimate result? What is the ultimate goal?
Experian is involved with the IRS, has access to confidential tax records of all US taxpayers, and with that there could be a connection to the IRS scandal to target the Tea Party and other Conservatives.
Experian is now involved with ID confirmation for most other government agencies. The bidding process has been suspicious. Experian the only bidder, so the Obama administration keeps giving the jobs to Experian.
Although Experian has branch offices here in the US, Experian is headquartered in Ireland. Keep that in mind. It’s very important. Experian is used to grant security clearances to US government and military personnel. That means Experian can and does shut out qualified people who we need for jobs requiring top security clearance! The reverse is true. Experian can approve people who are not qualified. Experian can approve people who are threats to our government and military. Thanks to Obama, Experian now controls “the way in” for any US enemy.
So it is not just the SSA issue and that cost. I believe Obama is using Experian for a larger purpose and goal, while Experian is taking advantage of Obama for its own purpose and goal at a worldwide level.
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