Editorial Article and Special Report by Jim Lantern
8:30 a.m. – Pacific Time – Thursday – 30 July 2015
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The following report has been republished from edited and updated past reports of July 2014…
Opt Out of being Listed by Background Credit Check Information Services on Internet – Update, Warning: Most Opt Outs are Scams!
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.
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 thePeopleSmart.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
PREVIOUS ORIGINAL REPORT:
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.
- Poll (up to 29 July 2015): 94% Blocked by Experian from creating a “my Social Security” online account at website of Social Security Administration
- Experian continues to block user creation of “my Social Security” accounts online at website of Social Security Administration
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