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I downloaded a personal report from the work number website and found to my horror that my employer was reporting every. single. paystub. gross and net, to equifax.

That felt like a huge breach of privacy. Given that equifax had already proven incompetent at keeping my data secure, I immediately sent HR a request to stop sending my supposedly 'confidential' pay info. They politely told me to kick rocks, so I went on TWN's website and froze that report so no one would be able to request it, and it will be a cold day in hell before I thaw it.

I am an investor in equifax. Let me clear up a misconception on where the data comes from. Half the data comes from large enterprise customers, who “sell” the data in exchange for Equifax doing I-9 verification for free. The other half comes from 39 payroll companies. Every single payroll company except for Rippling and Gusto sell paystub data to Euifax. (Rippling will start next year). Those are exclusive revenue share deals. You cannot be a competitive payroll provider without the revenue share from Equifax. So before you blame your employer, they might not be selling it directly and even if they opted out, your payroll company will sell it anyway.
Do you have a sense of why, according to you Gusto will remain the only company that doesn't sell payroll data to Equifax?
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Sounds like Gusto is the only acceptable option then. Thanks for the info!
> even if they opted out, your payroll company will sell it anyway

Surely that can't be legal?

As a Gusto admin for my company and user for another (well, my wife is the user), I am happy with our choice of payroll provider.
That's good to know. The company I work for currently uses Rippling; I will mention this upcoming change and suggest that we should consider switching to Gusto.
I hate the argument of "you cannot be a competitive company without being a scumbag."

It's a bad argument through and through.

Perhaps you would find it to be more palatable if it were phrased as: "You cannot be competitive as a company if you do not serve the wants and needs of the customer."?

But, of course, that says the same thing. These companies are scumbags because that's how the customer wants them to behave. In this case, because it makes executing payroll cheaper for the customer, which is a highly desirable trait to the customer.

The customer often does not have the luxury of making perfectly rational choices.

IBM for example waits to fly you out to orientation in Armonk before they show you the binding employment contract with dubious clauses.

These businesspeople know this. Introducing pressure and a sense of inevitability of poor conditions is part of the game. And they know that it's scummy. But Ayn Randians will defend them to the grave as they eschew the responsibility to build a stable enduring economy for one that disproportionately rewards them.

Framing it as the customer wants this level of strongarming is the same as saying they want bloody revolution when it inevitably follows. What customers actually want is for scumbags to be banned from leadership roles in the economy, and for toxic business strategies to be regulated out of relevance.

Can I opt out thru the payroll company?
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Maybe I'm missing something... If the data doesn't come from the employer, then how does the "payroll" company get it?
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You make an excellent argument here for tight regulation of the industry.
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