Ever wonder why you didn't get that new job you were perfect for, or why you were declined for that dream apartment? It might be because your credit report mistakenly lists you as a terrorist or a sex offender. Those are just two examples raised by John Oliver in Last Week Tonight's exposé on glaring errors made by the top companies drafting credit reports for Americans.
Of course, not everyone has those types of errors on their file, but Oliver reveals that the businesses performing background checks made mistakes on reports for approximately 10 million Americans. And those flubs can have huge impacts on your life if you've been confused for someone with massive debt or you've been erroneously declared dead.
To teach these companies how damaging it is to be confused with someone else, Oliver created three companies with names that are "problematically similar" to the top three credit-report firms in America. In one case, Oliver riffs on the real firm Experian (which offers credit report and scoring as part of its services) with the fake Experianne, "a company that sends people to whisper passages from 'Mein Kampf' into babies' ears."
"We are Experianne," reads the bogus company's splash page. "Please do not confuse us with Experian. What they do is unforgivable."
Check out the rest of Oliver's scheme in the full segment.