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"In contrast, the CFPB fined credit bureaus more than $25 million just last year for over-marketing its monitoring services, which generated monthly fees."

How is "over-marketing" even a thing? Like what is the definition of that term? Seems very odd that would be a regulation at all which they could be fined for. I'm no fan of credit companies, but it seems strange that a company could get fined for aggressively advertising their product.

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They were selling credit scores to consumers and claimed they were the same scores lenders used for making credit decisions. They weren't. They also deceptively enrolled consumers in costly subscriptions, e.g. "It costs only $1" but then in the small print costs $16/month after the trial period.

https://www.consumerfinance.gov/about-us/newsroom/cfpb-order...

To be quite frank, any amount of marketing is over marketing for this. I shouldn't have to pay a single cent to have that kind of monitoring; it is my data that they are using. I should be able to look at and correct the data at any time, with no cost whatsoever.

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