Consumers and Public Records
Session Topic: Consumer and Public Records and other Identity Data Types
Notes-taker(s): Leon Brown
Consumer and Public Records and other Identity Data Types
o Experian consumer guy: Anatoly. Free Credit Report.com, Corporate Development and Strategy.
o Public Records: If you Google, public records expose a lot of information. Most not coming from social, a lot is coming from gov't data that is purchased and pushed outside Google firewall. A bit weird to consumers; most think it is Facebook or Social, but it isn't.
o Does there need to be gov't intervention or governance?
o Are there privacy issues?
o Should there be a global solution? 0pt-out costs money in some cases.
o Often personal data has no PII, but is mine.
o Data --> Kim Little discussion. Different rules around different data. Recommend framing data conver
· Personal Information is largest volume of data
· Within PI is Personal Identifiable Information (PII)
· Within PII is Sensitive Personal Identifiable Information (SPII)
· Then there is Personal Health Information (PHI), which covers PI, PII and SPII.
o Is it a private sector opportunity or a governance issue?
· When and how we can use/change data or public records?
· FCRA for public data? Is this a relevant parallel?
o Issues from group
· Data hygiene
· Every state has their own laws for data related issues
· No ??? Motivation to stop it
· Feasibility to make any technology or data solution work. So many pieces of data that cannot be corrected (even within a credit score or financial report which are strong systems and heavily controlled), how can deal with Personal Information. Should we focus on smaller data set such as PII or SPII?
· How would a consumer correct data, if there is no central authority for maintaining this data?
· Who owns the data - for example, what is the correct source for my name?
· Who is the source of data? Most often the source of data is obfuscated…
· No liability or responsibility for a data error. For example, if at data entry a name is misspelled it is hard to correct once disseminated
o FTC WhitePaper on white house consumer privacy bill
· LifeLock of public records?
· Make it simpler --> Difficulty high to correct anything across 52 states
· Monitoring new public records: Social à but there is choice
o Detour in to Linden Labs