ONLY ON KOLD: Who's tracking you? - Tucson News Now

ONLY ON KOLD: Who's tracking you?

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  • Pedophile beaten to death by angry preschool parents

    Pedophile beaten to death by angry preschool parents

    Thursday, December 8 2016 3:25 PM EST2016-12-08 20:25:40 GMT
    When Marcelo Fabian Pecollo was released from jail after just four years behind bars, a group of angry parents reportedly took the law into their own hands and beat the pedophile convicted of molesting five preschool children to death. (Source: Facebook)When Marcelo Fabian Pecollo was released from jail after just four years behind bars, a group of angry parents reportedly took the law into their own hands and beat the pedophile convicted of molesting five preschool children to death. (Source: Facebook)

    When a pedophile convicted of molesting five preschool children was released from jail after just four years behind bars, a group of angry parents reportedly took the law into their own hands and beat him to death.

    When a pedophile convicted of molesting five preschool children was released from jail after just four years behind bars, a group of angry parents reportedly took the law into their own hands and beat him to death.

  • Police: man shot while trying to steal car

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    Saturday, April 22 2017 9:47 PM EDT2017-04-23 01:47:26 GMT

    Tucson police say a man was shot after trying to steal a car in the 2800 block of East Manchester Street.

    Tucson police say a man was shot after trying to steal a car in the 2800 block of East Manchester Street.

  • breaking

    Tucson police searching for serial armed robbery suspect

    Tucson police searching for serial armed robbery suspect

    Saturday, April 22 2017 12:16 AM EDT2017-04-22 04:16:13 GMT
    Suspect in Washington Federal robbery - April 21, 2017. (Source: Tucson Police Department)Suspect in Washington Federal robbery - April 21, 2017. (Source: Tucson Police Department)

    He is described as a white male, 25 to 35 years old, 5-foot 8-inches to 6-foot tall with a medium build. According to a Tucson Police Department release in several of the robberies the suspect has shown the victims a handgun and has worn at least two different wigs as a disguise.   

    He is described as a white male, 25 to 35 years old, 5-foot 8-inches to 6-foot tall with a medium build. According to a Tucson Police Department release in several of the robberies the suspect has shown the victims a handgun and has worn at least two different wigs as a disguise.   

TUCSON, AZ (Tucson News Now) -

Even the savviest consumers may have no idea reporting agencies might be keeping tabs on you.

So, how do you know if you've got a record?

If you go online to pay your utility bill, purchase prescription drugs, if you've ever had a problem with your landlord, and medical conditions you've listed on insurance applications.

Someone could be tracking you and it's legal.

Lauren Kantor considers herself in the "financial know". She works in the banking industry, and pulls her credit report with the three major credit bureaus constantly.

"I often check the credit to see where the score is at and if there's anything new on the report that I should know about."  

But we asked Lauren if she's ever pulled a "consumer" report from a "nationwide consumer reporting agency." They're companies that may be tracking your utility payment history, your insurance claim record, or know if you've ever violated a lease, bounced a check, or gotten a ticket.

"I find that absolutely crazy. I had no idea."

We found millions of people could have records with hundreds of nationwide consumer reporting agencies, which get information from court files, banks, even companies you have an account with.

"I don't think most people realize there's so many different agencies and, and data collection services out there right now.  And most of the time they don't actually find out about it until something negative happens."

"Something negative" means you may be turned down for bank accounts, insurance, jobs, apartments, even cable TV   but federal law says you have the right to request annual reports from these agencies, just like you do with the "big three" credit bureaus. The consumer financial protection bureau keeps a list of many of the biggest consumer agencies.

"Run a report on yourself, make sure that it's accurate and if its not accurate then take the steps necessary to correct the information that's, that's not accurate."
Fingers typing

But our investigation reveals sometimes that can be difficult. The FTC recently sued four nationwide consumer reporting agencies for not properly disclosing people's records and not following proper dispute procedures. When we tried calling several to request an annual report, sometimes we got a maze of automated phone prompts.  once we were put on hold for eight minutes.

"I know our members are always looking for improvements and ways to make sure that whether a consumer comes through a website, or calls on the phone that it works for them."

The Consumer Data Industry Association warns sometimes you won't have a record with agencies-simply because you weren't involved in a court case or haven't had a rental, insurance, banking, or utility history or issue.   they say specialized reporting not only protects businesses, but can help consumers who have made responsible choices.  

The CDIA warns sometimes you won't have a record with agencies simply because you weren't involved in a court case or haven't had a rental, insurance, banking, or utility history or issue.   they say specialized reporting not only protects businesses, but can help consumers who have made responsible choices.
 
"The data in these databases helps us as small business owners to manage risk and make good decisions and ultimately this is really the key opening the door for opportunity for consumers to get what they deserve because of their hard work, because of their good decisions."  

Lauren, who has found and disputed errors on her credit reports, says she's now going to start requesting copies of her consumer reports.

"I should really know what kind of information is out there about me and if there are mistakes, I really need to get them corrected."   

Companies must also give you a copy of your consumer report if the information has been used to deny your application.   

If an agency tells you they don't have data on you, don't be alarmed, that may only mean no one reported negative information about you.

To see your privacy rights, click here: https://www.privacyrights.org/fs/fs6b-SpecReports.htm.

For more information, click here: http://files.consumerfinance.gov/f/201207_cfpb_list_consumer-reporting-agencies.pdf

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