Even in Europe, with the draconian GDPR rules, credit reference agencies managed to write themselves a loophole in the law ('fraud prevention' is an excuse to hold data forever, against the will of the holder, and without their permission, or even ability to see it).

Bit sad really, considering "all banks deny me a loan, and I don't know why" is just the time you want to see the details of your credit report and correct errors.