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FBI secretly demands consumer data from CRAs

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FBI secretly demands consumer data from CRAs

FBI secretly demands a ton of consumer data from credit agencies. Now lawmakers want answers 

 

"The FBI regularly uses these legal powers — known as national security letters — to compel credit giants to turn over non-content information, such as records of purchases and locations, that the agency deems necessary in national security investigations. But these letters have no judicial oversight and are typically filed with a gag order, preventing the recipient from disclosing the demand to anyone else — including the target of the letter."


I really don't like these articles that attempt to make it seem like everyone's rights are being violated every single day, but they are good for seeing what kind of data is available in the first place. Like Level 3 data, which tracks individual product items on a transaction in addition to the total amount of sale.

 

In the future, buying a hotdog at 7-11 at 3 in the morning is likely to lower a mortgage score by 50pts.

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Moderator Emeritus

Re: FBI secretly demands consumer data from CRAs

Wonderful! Now I can sleep better at night knowing big brother is sharing my bed Smiley Sad

Glad you brought this matter forward so more of us would know!
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Super Contributor

Re: FBI secretly demands consumer data from CRAs

The only difference between the US surveillance on their citizens and the Chinese surveillance on their citizens is the Chinese don't hide the fact they do it. Assume that everything you do is tracked and shared with the government because it's very likely that it is. 



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Moderator Emeritus

Re: FBI secretly demands consumer data from CRAs

The scale is substantially different.

While I abhor the thought of eroding rights we’re talking less than 20 thousand according to the article which is a tiny fraction of the population and China is more like 20+ million if not 200+.

Transparency fail to be sure, but we aren’t living in a police state.



        
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Super Contributor

Re: FBI secretly demands consumer data from CRAs

I can't really dive too deep into it because of TOS but it doesn't matter how many requests have been made. What matters is that these requests have been made at all. That means that anyone's info can be asked for, it just hasn't been asked because it hasn't been needed yet. 



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Hover over my cards to see my limits!
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Moderator

Re: FBI secretly demands consumer data from CRAs

Please watch as skirting on TOS violation...

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Frequent Contributor

Re: FBI secretly demands consumer data from CRAs

I think the thing to keep in mind is that these requests are done during the course of an investigation.

 

For Title III wiretaps, for instance, a judge's okay is required for each one, every time.  But this level of credit information request is far less  invasive - and this does not need a judge signing off on every one, just like they don't need one to pull your DMV or criminal records.  The FBI investigates things such as domestic terrorism and kidnappings.  In such instances, yes, it's absolutely necessary to know where a subject's credit card is being used; no, you don't want to notify the subject nor ask their permission.  

 

It's not randomly picking individuals and checking their credit card purchases in order to find something to investigate; it's the other way around.  

 

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