Comment by TheDong

And in the US, landlords can pull credit reports from private companies, and if the private company says you missed a credit card payment a year ago they'll reject you.

If the private credit score company returns a wrong score because someone else has the same name as you and they mixed up some records, well, it's a private company, you have no recourse.

Since it's not the government, but a for-profit private company, it can and will also sell your information.

If you opt out of this private company's system, landlords can and will reject you.

It is well known that the US is the most free country in the multiverse, so I would say no, having a government do it is not freedom (that's a social credit system like china has), but if instead it's a private company creating that credit score, that's freedom.

What law do you want to have to prevent this? Companies are people, and if your two previous land-lords are free to gossip about whether you paid rent (free speech), of course equifax should be able to sell that information (also free speech). People's right to privacy stops where free speech, and the ability of private entities to profit and raise GDP, starts.