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Walter Pinson

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Experian snubs FTC. Who will win this fight?…

The FACT Act requires that the FTC improve the accuracy of consumer records and make improvements in the use of, and consumer access to credit information.  It says as much in the first paragraph.

The FTC has devised a methodology that requires experts and consumers to work together to audit CRAs for accuracy and completeness.  It has also devised a program around this methodology and a plan to roll it out nationwide.

This is in stark conflict with the Valentine’s Day gift that we will all receive from Experian on 2/14/2009.  Experian says that it is no longer going to make credit information available to consumers.

So how does the FTC audit Experian using its newly revised methodology; which requires consumer participation, when Experian expressly denies consumers access to that information?

It’s official.  It’s a fight.  Who will win, …the consumer?

Photo Credit: ZAK!

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Walter Pinson is the Chief Software Architect at SMBLive; whose IAmFound social marketing platform helps SMBs (small and medium-sized businesses) get discovered online and generate inbound sales leads. In his role as CSA, Walter manages a globally distributed product development group and has SaaS products deployed at major telecommunications channel partners in the US, UK, Switzerland, Canada, and Mexico. Additionally, Walter is a co-founder and principal of Pinson3 Systems; a boutique software engineering concern serving the intelligence and defense sectors with solutions ranging from enterprise web-based multi-modal biometric analysis systems to information warfare training systems. Prior to his role at SMBLive and founding Pinson3 Systems, Walter was a Senior Strategy Consultant with Microsoft focused on SaaS, SOA, and .NET adoption in the telecommunications sector. Walter has published articles for Cloud Computing Journal, is a member of ACM and IEEE, and currently has one patent pending. He holds a bachelor's degree in computer science from The Volgenau School of Information Technology and Engineering at George Mason University, where he focused on distributed and parallel computing. Walter is currently working on his MBA at the GMU School of Management.