At times without consent? How often have you explicitly consented to your personal data being collected and disclosed by a third party agency with which you have no direct relationship? Ever? I believe that under federal legislation SINs in particular are supposed to be used only in relation to taxation reporting matters. So how has their use become ubiquitous without government oversight? Consumer legislation simply isn't working to benefit consumers in this country where credit information is concerned - well, at least it isn't working in Ontario. Why is it that in the U.S. consumers can get free access to their credit files at least once a year while no such provision exists here even though the credit rating agencies are profiting by collecting and disseminating our private information? Our politicians and regulators are failing us. As usual.