An Opaque Web of Credit Reports Is Tracking Everything You Do

Liam Downey remembers the first time he heard about ChexSystems. It was December 2021, not long after he moved to Mancos, Colorado, a tiny mountain hamlet with a population under 1,500.

The only bank in town had just barred the 52-year-old flight paramedic from opening an account because his so-called ChexSystems score was too low. The teller gave him the contact information of the agency but not much else. He walked out of the bank perplexed.

ChexSystems, as Downey would soon find out, is a national consumer reporting agency — abbreviated CRA — that specializes in gathering data on how Americans use checks and bank accounts. It distills this information into a score similar to a credit score. Some 80% of banks rely on such information to screen people who want to open new accounts.

On a scale of 100 to 899, Downey’s ChexSystems score was 553. As far as the sole bank in Mancos was concerned, those three digits — regardless of his 15-year-long relationship with his current out-of-state bank — meant he was too risky to take on as a customer.

“I think this is complete nonsense,” Downey says of the reporting system. “People don’t even recognize it exists. It’s not easy to interpret, it’s not easy to change, and it’s completely arbitrary.”

Critics of ChexSystems note the agency generally tracks only negative information like account closures and overdrafts, essentially making it a bank-account rap sheet. The company is just one of a large — and largely unknown — sum of CRAs that actively monitors the financial and nonfinancial behavior of more than 200 million Americans, including many children.

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A Guided Tour of How Cops Can Browse Your Location Data

In Part 1 of our series on Fog Data Science, we saw how when you give some apps permission to view your location, it can end up being packaged and sold to numerous other companies. Fog Data Science is one of those companies, and it has created a sleek search engine called Fog Reveal that allows cops to browse through that location data as if they were Google Maps results.

In this article, we’ll be taking a deep dive into Fog Reveal’s features. Although accounts for Reveal are typically only available to police departments, we were able to analyze the app’s public-facing code to get a better understanding of how it works, how it’s used, and what it looks like when cops get warrantless access to your location data.

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US government finally unseals long-hidden rulings on mass surveillance

The US government has finally released previously classified rulings from the Foreign Intelligence Surveillance Court (FISC), which have revealed how the secretive court interprets the Foreign Intelligence Surveillance Act (FISA), a law that allows mass surveillance of foreigners.

FISC was created by Congress in 1978 to act as a warrant court that approved the surveillance of individual foreign targets. However, after 9/11, the court’s role expanded and it started approving mass surveillance programs, some of which illegally collected data of foreigners and US citizens.

In 2015, Congress passed the USA Freedom Act, which required the government to make public all significant rulings by the FISC. However, the executive branch argued that the USA Freedom Act did not apply to FISC rulings issued before the passing of the law in 2015.

Due to this lack of transparency, the Electronic Frontier Foundation (EFF) sued under the Freedom of Information Act to force the government to disclose all significant FISC rulings. The lawsuit resulted in the government releasing more than 70 FISC rulings that were previously kept secret.

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Google triggers criminal probe after dad takes photos of his toddler, naked, for doctor

Google triggered a criminal investigation and locked a man out of his accounts after flagging photos he sent to his son’s pediatrician as potential child pornography, according to the New York Times.

The tech company initially flagged the images when they were automatically uploaded to Google servers from the father’s phone, according to the NYT. After a nearly year-long investigation of everything in his Google account, including search history, location history, messages and photos, police determined he hadn’t committed a crime.

The father, referred to only as Mark by the NYT, had taken photos of his young son, naked, at the request of a doctor over concerns about his infected penis, according to the NYT. Google quickly locked him out of his account after scanning the photos, and he lost emails, contacts and personal photos and had to get a new phone number after losing access to his Google Fi account.

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Meta can track users’ credit card, internet history on other websites, researcher claims

An ex-Google employee claims his research shows Facebook’s parent company, Meta, is “rewriting” other websites so that it can better track users’ data.

The researcher, Felix Krause, claims Meta can “inject” tracking code into other websites whenever those websites are opened by Facebook or Instagram’s in-app web browser, as opposed to standalone web browsers like Google Chrome and Safari.

The Instagram app injects their tracking code into every website shown, including when clicking on ads, enabling them [to] monitor all user interactions, like every button and link tapped, text selections, screenshots, as well as any form inputs, like passwords, addresses and credit card numbers,” Krause warns in a tweet.

Krause also claims Meta injects this tracking code “without the user’s consent, nor the website operator’s permission.”

Why is this a big deal? Instagram & Facebook actively work around the new App Tracking Transparency System which was designed to prevent exactly this kind of abuse, to keep tracking users outside their ecosystem,” Krause claims in a follow-up tweet.

The ex-Google engineer apparently discovered the code injection while developing a tool to detect extra commands added to websites by web browsers. For most browsers and apps, the tool doesn’t detect any lines of code injection, but for Facebook and Instagram, Krause claims the tool found up to 18 added lines of code.

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Amazon plots to turn surveillance network into reality TV series

Comedian Wanda Sykes will host a new show, called “Ring Nation,” that will feature videos captured by Amazon Ring cameras, according to a report on Deadline. Amazon-owned MGM Television and Big Fish Entertainment will produce the show.

The show will feature funny and viral content captured by Ring cameras, like “neighbors saving neighbors, marriage proposals, military reunions and silly animals.”

Such videos can be entertaining and often go viral. However, they pull people’s attention from the mass surveillance Ring cameras conduct. Videos from Ring cameras have been used in investigations by law enforcement in the US and abroad, even pulling video from people’s doorbell cameras without a warrant.

By cultivating fears about crime in the suburbs and partnering with police departments, Amazon has aggressively rolled out Ring home surveillance cameras.

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Amazon’s Ring Camera Penetrates 18% Of Homes To Create Massive Surveillance Network

If you walk through your local neighborhood—providing you live in a reasonably large town or city—you’ll be caught on camera. Government CCTV cameras may record your stroll, but it is increasingly likely that you’ll also be captured by one of your neighbors’ security cameras or doorbells. It’s even more likely that the camera will be made by Ring, the doorbell and security camera firm owned by Amazon.

Since Amazon splashed out more than a billion dollars for the company in 2018, Ring’s security products have exploded in popularity. Ring has simultaneously drawn controversy for making deals (and sharing data) with thousands of police departments, helping expand and normalize suburban surveillance, and falling to a string of hacks. While the cameras can provide homeowners with reassurance that their property is secure, critics say the systems also run the risk of reinforcing racism and racial profiling and eroding people’s privacy.

Videos shared from security cameras and internet-connected doorbells have also become common on platforms like Facebook and TikTok, raking in millions of views. “Ring impacts everybody’s privacy,” says Matthew Guariglia, a policy analyst at the Electronic Frontier Foundation. “Most immediately, it impacts the people who walk down the streets every day, where the cameras are pointing out.”

While Ring is far from the only maker of smart doorbells and cameras—Google’s Nest line is another popular option—its connections to law enforcement have drawn the most criticism, as when it recently handed over data without warrants. So, what exactly does Ring collect and know about you?

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The Dark Side of the Digital Revolution: “Slowly Closing its Grip on our Lives”

People love the digital revolution.  It allows them to work from home and avoid stressful commutes and office politics.  The young love their cell phones that connect them to the world. For writers the Internet offers, for now, a far larger audience than a syndicated columnist could obtain.  But while we enjoy and delight in its advantages, the tyranny inherent in the digital revolution is slowly closing its grip on our lives.

Use a gender pronoun or doubt an official narrative and you are blocked from social media.  The same corporations that are required by federal law to send us annual statements on how they protect our privacy also track our use of the Internet in order to build marketing profiles of us.  The FBI, CIA, and NSA track our use of the Internet to identify possible terrorists, school shooters, drug operations, and foreign agents.  Face identification cameras now exist on the streets of some cities.  DNA data bases are being built.  It goes on and on.

In China the digital revolution has made possible a social credit system.  People are monitored about what they say, what they read online, how they behave, where they go.  The profile that results determines the person’s rights or privileges.  A person who hangs out with the wrong crowd, criticizes the government, misbehaves, drives too fast, drinks too much, has a poor school or work attendance record might be denied a driving license, a passport, university admission, or could have access to bank account limited or blocked.

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British Communist Party professor, who supported surveillance methods during Covid, joins the WHO

The World Health Organization (WHO) has a new head of the Technical Advisory Group for Behavioral Insights and Science for Health – and she is Professor Susan Michie.

Michie, director of the Center for Behavior Change at University College London, previously advised her country’s government on Covid, and has spent the past 40 years as a member of UK’s Communist Party.

In her advisory role in the UK, Michie made a name for herself as a staunch advocate of extremely stringent Covid-related restrictions. At some point last year she came up with a radical statement in favor of masks and social distancing mandates continuing “forever.”

Speaking for Channel 5 in June 2021, Michie made the claim that both masks and social distancing are needed as long term measures not only to combat coronavirus, but also other diseases.

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Digital Authoritarianism: AI Surveillance Signals the Death of Privacy

“There are no private lives. This a most important aspect of modern life. One of the biggest transformations we have seen in our society is the diminution of the sphere of the private. We must reasonably now all regard the fact that there are no secrets and nothing is private. Everything is public.” ― Philip K. Dick

Nothing is private.

We teeter on the cusp of a cultural, technological and societal revolution the likes of which have never been seen before.

While the political Left and Right continue to make abortion the face of the debate over the right to privacy in America, the government and its corporate partners, aided by rapidly advancing technology, are reshaping the world into one in which there is no privacy at all.

Nothing that was once private is protected.

We have not even begun to register the fallout from the tsunami bearing down upon us in the form of AI (artificial intelligence) surveillance, and yet it is already re-orienting our world into one in which freedom is almost unrecognizable.

AI surveillance harnesses the power of artificial intelligence and widespread surveillance technology to do what the police state lacks the manpower and resources to do efficiently or effectively: be everywhere, watch everyone and everything, monitor, identify, catalogue, cross-check, cross-reference, and collude.

Everything that was once private is now up for grabs to the right buyer.

Governments and corporations alike have heedlessly adopted AI surveillance technologies without any care or concern for their long-term impact on the rights of the citizenry.

As a special report by the Carnegie Endowment for International Peace warns, “A growing number of states are deploying advanced AI surveillance tools to monitor, track, and surveil citizens to accomplish a range of policy objectives—some lawful, others that violate human rights, and many of which fall into a murky middle ground.”

Indeed, with every new AI surveillance technology that is adopted and deployed without any regard for privacy, Fourth Amendment rights and due process, the rights of the citizenry are being marginalized, undermined and eviscerated.

Cue the rise of digital authoritarianism.

Digital authoritarianism, as the Center for Strategic and International Studies cautions, involves the use of information technology to surveil, repress, and manipulate the populace, endangering human rights and civil liberties, and co-opting and corrupting the foundational principles of democratic and open societies, “including freedom of movement, the right to speak freely and express political dissent, and the right to personal privacy, online and off.”

The seeds of digital authoritarianism were planted in the wake of the 9/11 attacks, with the passage of the USA Patriot Act. A massive 342-page wish list of expanded powers for the FBI and CIA, the Patriot Act justified broader domestic surveillance, the logic being that if government agents knew more about each American, they could distinguish the terrorists from law-abiding citizens.

It sounded the death knell for the freedoms enshrined in the Bill of Rights, especially the Fourth Amendment, and normalized the government’s mass surveillance powers.

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