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Junkdrawer

(27,993 posts)
Wed Oct 9, 2013, 11:29 AM Oct 2013

Why is Experian, A Credit Agency, used to Verify Identities for Obamacare???

And if all they want is my ACA sign-in ID and the last 4 of my social, you'd think the Federal Government would have that. Hell the Feds have all 9 digits.

Curiouser and curiouser...

64 replies = new reply since forum marked as read
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Why is Experian, A Credit Agency, used to Verify Identities for Obamacare??? (Original Post) Junkdrawer Oct 2013 OP
To earn their $78 million leftstreet Oct 2013 #1
While they are earning money, there is a valid reason for this. Fawke Em Oct 2013 #13
Experian CEO salary: $3.7 million leftstreet Oct 2013 #23
"Experian leads the way in customer protection" - Those swindlers can suck my balls. I applied for a Erose999 Oct 2013 #61
Can you IM me on this? Fawke Em Oct 2013 #64
lowest bidder. CK_John Oct 2013 #2
Too many c(r)ooks spoil the plot Demeter Oct 2013 #3
They seem to be the big holdup now.... Junkdrawer Oct 2013 #4
It's called corporate welfare. It is a common phenomenon under fascism. n/t Egalitarian Thug Oct 2013 #5
because ACA is a step along the way to taking health care out of the hands of big business... KG Oct 2013 #6
So that they can prep you for your microchip? Lex Oct 2013 #7
if you write big campaign checks datasuspect Oct 2013 #8
to give rightwingers something to complain about nt geek tragedy Oct 2013 #9
LOL: Guess what memo must have gone about this morning? FSogol Oct 2013 #11
I didn't get a memo, but I find privatizing reprehensible leftstreet Oct 2013 #15
Same here. One party promotes privatization, one doesn't. Do you know the difference? FSogol Oct 2013 #16
Which party promoted the ACA? leftstreet Oct 2013 #25
It is so hard to keep track. Do you hate the ACA just like the Tea Party or FSogol Oct 2013 #35
Thx for your interest in my personal opinions leftstreet Oct 2013 #41
ODSing complaints about details of the ACA is a bad trend seveneyes Oct 2013 #53
Privatizing government functions is bad. When the government tracks the weather, they do it FSogol Oct 2013 #56
Medicaid always used these agencies. ProSense Oct 2013 #30
Too bad this chance to break from a bad habit was lost seveneyes Oct 2013 #55
A rightwinger who posts from memos? Junkdrawer Oct 2013 #17
As someone who has enlightenment Oct 2013 #10
+1 KoKo Oct 2013 #50
interestingly, the "it's a first step" talking point came AFTER the "we'll fix it later" one MisterP Oct 2013 #59
I think we're now moving into the enlightenment Oct 2013 #60
Maybe with the ACA so controversial..they though using a credit agency KoKo Oct 2013 #12
Verify income???? That's new. I thought it was only identites? Junkdrawer Oct 2013 #14
It's about seeing if you are actually eligible for the ACA's subsidies, PoliticAverse Oct 2013 #20
They're supposed just to be using it to verify identity n/t Yo_Mama Oct 2013 #21
Are you sure about that? Because your SS# is all that's needed KoKo Oct 2013 #37
It's about determining if you are legitimately eligible for the ACA's subsidies... PoliticAverse Oct 2013 #18
Ah, thanks Yo_Mama Oct 2013 #22
Thanks for that. nt NYC_SKP Oct 2013 #40
Well...that's an informative but depressing read, for sure. KoKo Oct 2013 #46
Interesting. How in the world could Equifax know what we pay for health care coverage DebJ Oct 2013 #49
I think it's that they can verify your income not what you pay for heath care KoKo Oct 2013 #57
I was fine with going through Experian to get my Medicaid BluegrassStateBlues Oct 2013 #19
Guess what? enlightenment Oct 2013 #24
It's about people on DU helping fuel rumors and distrust Pretzel_Warrior Oct 2013 #39
No, it's about having a civil discussion. enlightenment Oct 2013 #54
People who are trying to dismantle this law by sabotaging the website.... Junkdrawer Oct 2013 #26
Why reinvent the wheel when Experian was available? BluegrassStateBlues Oct 2013 #28
Experian is now the big holdup.... Junkdrawer Oct 2013 #31
do you have a link? VanillaRhapsody Oct 2013 #27
You can read more about the issue at this link... PoliticAverse Oct 2013 #33
I don't believe it is for a credit check.... VanillaRhapsody Oct 2013 #62
Right, Equifax is only used to veryify income/employment, when they can't get the info PoliticAverse Oct 2013 #63
Because they have marketed themselves as identity confirmation specialists Gormy Cuss Oct 2013 #29
The ole Private Sector workaround. Made news during the NSA scandals this summer... Junkdrawer Oct 2013 #36
Agree...but, the IRS can also verify who you are by SS# and can verify KoKo Oct 2013 #42
hire more employees Enrique Oct 2013 #52
Will this show up as an inquiry on your report? B2G Oct 2013 #32
Well, one thing is certain. ProSense Oct 2013 #34
Experian ISN'T being used to verify identities? Junkdrawer Oct 2013 #38
Where on earth did I say that in the comment? ProSense Oct 2013 #44
Oh? What OTHER "lack of understanding about the law" do you get from my OP? Junkdrawer Oct 2013 #48
it was a good question Enrique Oct 2013 #43
So ProSense Oct 2013 #45
Because tinfoil hatters shot down the secure digital ID initiative jberryhill Oct 2013 #47
What about the digital Pins I use to submit taxes and FAFSA reports? Junkdrawer Oct 2013 #51
....which are used for those purposes jberryhill Oct 2013 #58

leftstreet

(36,109 posts)
1. To earn their $78 million
Wed Oct 9, 2013, 11:30 AM
Oct 2013
14 March 2012

Experian and Symantec’s two-factor credentialing solution selected by Centers for Medicare & Medicaid Services

Experian and Symantec continue to gain traction in the public sector

Costa Mesa, Calif. and Mountain View, Calif. – Experian® and Symantec Corp. (NASDAQ: SYMC) today announced that the two-factor credentialing solution jointly developed by the companies was selected by the Centers for Medicare & Medicaid Services (CMS) to provide Enterprise Remote Identity Proofing (ERIP) and Multi-Factor Authentication (MFA) Credential Services in support of the Affordable Health Care Act (ACA). The Experian and Symantec solution will play a critical role in a $78 million contract that was awarded to Science Applications International Corporation (SAIC) providing CMS with an offering that helps them solve key challenges that arise in serving the nation’s large uninsured population.

The Experian and Symantec solution combines Experian’s identity proofing capabilities with the strong authentication capabilities of Symantec’s Validation and ID Protection (VIP) Service to deliver secure online identity credentials. It will minimize the risk of fraud by providing more than 35 million U.S. citizens with secure online access to the State and Federal Health Insurance Exchange, while complying with electronic authentication guidelines in the National Institute of Standards and Technology (NIST) Special Publication SP 800-63-1 and achieving Level 3 Assurance.

http://www.experianplc.com/news/company-news/2012/14-03-2012.aspx

Fawke Em

(11,366 posts)
13. While they are earning money, there is a valid reason for this.
Wed Oct 9, 2013, 11:58 AM
Oct 2013

I work in IT security and Experian leads the way in customer protection - even devising their own risk assessments based off the Payment Card Industry's standards - to protect that information.

My company actually checks the Experian checks - and they want us to because it decreases their risks of losing their reputation, losing customer information and losing in lawsuits.

I don't think Obamacare is using Experian to check credit. I think they're using their two-factor authentication model to protect customer information - something we should all be thankful for.

Erose999

(5,624 posts)
61. "Experian leads the way in customer protection" - Those swindlers can suck my balls. I applied for a
Wed Oct 9, 2013, 02:25 PM
Oct 2013

loan once at Wells Fargo and the bank manager pulled my credit report. Then I had charges come up on my bank account for 2 or 3 Experian services I didn't sign up for.

Fucking crooks took me for $40. And my bank account has been hacked several times besides that.

leftstreet

(36,109 posts)
15. I didn't get a memo, but I find privatizing reprehensible
Wed Oct 9, 2013, 11:59 AM
Oct 2013

There are 1000s of skilled, experienced unemployed IT workers in the US

The ACA could have been part of a larger national Jobs Program


leftstreet

(36,109 posts)
25. Which party promoted the ACA?
Wed Oct 9, 2013, 12:07 PM
Oct 2013

It's private

I don't think your line of thinking is what you think it is

Both parties love privatizing

FSogol

(45,488 posts)
35. It is so hard to keep track. Do you hate the ACA just like the Tea Party or
Wed Oct 9, 2013, 12:21 PM
Oct 2013

in a totally different way? I personally like a program that insured 26 million of the uninsured, got rid of pre-existing conditions, and allowed my kids to stay on our plan until age 26.

While privatization is the current trend, the Democratic party has never promoted it. Until Congress funds the Govt at the levels required, privatization will be around. Hate it? Elect more Democrats.

leftstreet

(36,109 posts)
41. Thx for your interest in my personal opinions
Wed Oct 9, 2013, 12:25 PM
Oct 2013

I think the ACA is a huge step in the right direction for reform of an unregulated industry, and I believe these changes will be welcomed by all who currently have employer-provided insurance or can afford premiums

I disapprove of the individual mandate

 

seveneyes

(4,631 posts)
53. ODSing complaints about details of the ACA is a bad trend
Wed Oct 9, 2013, 12:48 PM
Oct 2013

Healthcare for all American citizens is a good thing. Identifying the bad parts of it and complaints of the inexcusable outsourcing of jobs to support it is legit. I'll also add that privatizing is not inherently bad or we would all be forced to drink government beer and other things that are better handled by private enterprises.

FSogol

(45,488 posts)
56. Privatizing government functions is bad. When the government tracks the weather, they do it
Wed Oct 9, 2013, 12:55 PM
Oct 2013

not-for-profit. If the clowns at Accu-Weather attempt it, they are trying to make a profit, overpaying their doofus CEO and his unqualified relatives on the Board, compromising quality for profits, and paying idiots like Rick Santorum to lobby for them in Congress.

Guess which system costs more?

ProSense

(116,464 posts)
30. Medicaid always used these agencies.
Wed Oct 9, 2013, 12:16 PM
Oct 2013

People are complaining about a system that has been in place forever.

TX 2009:



http://www.fwisd.org/family/Documents/CHIP%20Medicaid%20App.%20English.pdf

WI 2003:



http://www.nytimes.com/packages/pdf/weekinreview/Wisc.hcf10101.pdf

The Single Streamlined Application Under the Affordable Care Act: Key Elements of the Proposed Application and Current Medicaid and CHIP Applications

The Affordable Care Act (ACA) makes a number of changes to simplify the Medicaid enrollment process. As part of these changes, beginning in 2014 all states will be required to use a single, streamlined application provided by the U.S. Secretary of Health and Human Services unless they receive approval to use an alternative application. A draft version of the streamlined application was released for public comment on January 28, 2013.

This analysis provides an overview of key elements of the proposed paper-based streamlined application and 85 current printable Medicaid and CHIP applications, with a focus on several areas, including: availability of application assistance; language accessibility; verification of income; verification of citizenship and immigration status and other messages for immigrant families; medical support requirements; and disability screening questions. While many individuals applying for health coverage in 2014 will likely use the online version of the streamlined application, it is difficult to analyze given its dynamic nature. However, review of these key elements on the paper-based application is largely applicable to the online version because it includes similar data requirements and language as the online version.

http://www.kff.org/medicaid/8409.cfm


<...>

CONCLUSION

As the streamlined application for 2014 is finalized, it will be important to achieve a balance that minimizes burdens on applicants while still collecting sufficient information to make quick and accurate determinations of eligibility. This analysis highlights wide variation in the language and approaches used to collect information on 85 current Medicaid and CHIP applications and HHS’ proposed streamlined paper application. It shows that some states have already achieved significant progress in streamlining their applications and addressing known enrollment barriers, but notes inconsistencies in these efforts across states and application types. In particular, many applications still require more extensive information and documentation than will be allowed in 2014, such as income documentation and questions related to medical support requirements. As such, implementation of the streamlined application will result in reduced requirements for families in many states. However, at the same time, the proposed application does not utilize some consumer-focused features and language designed to address enrollment barriers that have already been developed in some states, such as providing information on how to obtain language assistance, providing messages to encourage enrollment among immigrant families, and including language to help applicants identify conditions that might be considered a disability.

http://www.kff.org/medicaid/upload/8409.pdf


The draft application was released by CMS:

Supporting Statement for Data Collection to Support Eligibility Determinations for Insurance Affordability Programs and Enrollment through Affordable Insurance Exchanges, Medicaid and Children’s Health Insurance Program Agencies
http://www.medicaid.gov/State-Resource-Center/Events-and-Announcements/Downloads/508CMS-10440_Supporting_Statement_Part_A.pdf

http://www.cms.gov/Regulations-and-Guidance/Legislation/PaperworkReductionActof1995/PRA-Listing-Items/CMS-10440.html

The ACA is using a system already in place to verify identification.

 

seveneyes

(4,631 posts)
55. Too bad this chance to break from a bad habit was lost
Wed Oct 9, 2013, 12:53 PM
Oct 2013

Legacy is not always good, even though if cellphones used vacuum tubes you wouldn't need pocket warmers.

enlightenment

(8,830 posts)
10. As someone who has
Wed Oct 9, 2013, 11:53 AM
Oct 2013

always found the idea of private, for-profit companies having so much control over peoples' lives disturbing, I am really not happy to discover that they - like the for-profit insurance companies - have been made part and parcel of what many on DU call "the first step" toward universal health care.

Listening to NPR yesterday; they were discussing "credit reports" and "credit scores" and why people should keep an eye on them. One in five individuals will find an error on their credit report, they said - from a misspelled name to an incorrect address to erroneous charges. Given that it is exceedingly difficult to correct these reports, since these private, for-profit companies refuse to admit they are wrong, it was suggested that consumers should prioritize the mistakes and only "worry" about things that could cost them money or negatively effect their FICO score.

Good advice, I suppose, considering that these companies can make or break the choices you make in life - but when one of those companies is now serving as the sole arbiter of WHO you are, it changes that priority list just a bit. A misspelled name or incorrect address might become the barrier between you and the subsidy that will make it possible for you to afford your mandated insurance.

enlightenment

(8,830 posts)
60. I think we're now moving into the
Wed Oct 9, 2013, 02:17 PM
Oct 2013

"this is perfect and if you don't agree then you're just a hater/troll/ODS'er/etc" theme now.

KoKo

(84,711 posts)
12. Maybe with the ACA so controversial..they though using a credit agency
Wed Oct 9, 2013, 11:56 AM
Oct 2013

to verify income would be a way to stop the MEME that people who could afford health care on their own would be scamming the ACA?

IOWD's that the Repugs will find anyway they can to discredit the program, so having the income verified would push back on that MEME?

I'm not fond of Private Contractors handling Govt. operations...but, in this case, maybe it was the only way to go?

That's the hopeful view of why they are using these companies. I don't want to think about the "darker view." I'll stick with the hopeful until another explanation is revealed.

PoliticAverse

(26,366 posts)
20. It's about seeing if you are actually eligible for the ACA's subsidies,
Wed Oct 9, 2013, 12:02 PM
Oct 2013

which you aren't if you have qualifying insurance available from your employer.

KoKo

(84,711 posts)
37. Are you sure about that? Because your SS# is all that's needed
Wed Oct 9, 2013, 12:24 PM
Oct 2013

and can be verified internally by the Govt./IRS.

Why was it thought that it would be faster or less expensive to verify using outside Credit Reporting instead of Govt. to identify?

DebJ

(7,699 posts)
49. Interesting. How in the world could Equifax know what we pay for health care coverage
Wed Oct 9, 2013, 12:38 PM
Oct 2013

I don't get it.

KoKo

(84,711 posts)
57. I think it's that they can verify your income not what you pay for heath care
Wed Oct 9, 2013, 01:02 PM
Oct 2013

coverage. IOWDS if you make enough to afford your own health care.

 
19. I was fine with going through Experian to get my Medicaid
Wed Oct 9, 2013, 12:02 PM
Oct 2013

and a Silver Plan for my mom WHO HAS NEVER HAD HEALTH INSURANCE for $13.21.

People that are trying to dismantle this law through this kind of rhetoric can kindly go fuck themselves.

enlightenment

(8,830 posts)
24. Guess what?
Wed Oct 9, 2013, 12:07 PM
Oct 2013

This is not a good way to speak to people on DU.

It's great that it worked well for you and your mother, but there are concerns and they will be discussed whether you want to join the discussion or not. This isn't about "dismantling" the law - it's about people discussing it.

 

Pretzel_Warrior

(8,361 posts)
39. It's about people on DU helping fuel rumors and distrust
Wed Oct 9, 2013, 12:25 PM
Oct 2013

Which, intentional or not, is in the service of those who would shut it down.

enlightenment

(8,830 posts)
54. No, it's about having a civil discussion.
Wed Oct 9, 2013, 12:52 PM
Oct 2013

But in this case, it is also about trying to shut down discussion, which is antithetical to democracy. Words on DU aren't going to make so much as a tiny ding in the ACA - and you know it - but trying to create a box on DU that all Dems have to fit inside in order to be considered good liberals is far more damaging.

Junkdrawer

(27,993 posts)
26. People who are trying to dismantle this law by sabotaging the website....
Wed Oct 9, 2013, 12:08 PM
Oct 2013

with unnecessary complexities can do likewise.

Junkdrawer

(27,993 posts)
31. Experian is now the big holdup....
Wed Oct 9, 2013, 12:18 PM
Oct 2013

Was the IRS not available? They have a big IT structure I hear. And I've not heard about this much problem with online tax submissions.

PoliticAverse

(26,366 posts)
63. Right, Equifax is only used to veryify income/employment, when they can't get the info
Wed Oct 9, 2013, 03:27 PM
Oct 2013

from the IRS or Social Security administration:

http://www.cms.gov/CCIIO/Resources/Fact-Sheets-and-FAQs/Downloads/income-verification-8-5-2013.pdf

Q: Will Marketplaces be verifying the income of consumers as a part of the eligibility process for
advance payments of the premium tax credit and cost-sharing reductions

A: Yes. According to 45 CFR
155.320(c)(3), Marketplaces will always use data from tax filings and
Social Security data to verify household income information provided on an application, and in many
cases, will also use current wage information that is available electronically. The multi-step process
begins when an application filer applies for insurance affordability programs (including advance
payments of the premium tax credit and cost-sharing reductions) through the Marketplace and affirms or
inputs their projected annual household income. The applicant’s inputted projected annual household
income is then compared with information available from the Internal Revenue Service (IRS) and Social
Security Administration (SSA). If the data submitted as part of the application cannot be verified using
IRS and SSA data, then the information is compared with wage information from employers provided
by Equifax
. If Equifax data does not substantiate the inputted information, the Marketplace will request
an explanation or additional documentation to substantiate the applicant’s household income.





Gormy Cuss

(30,884 posts)
29. Because they have marketed themselves as identity confirmation specialists
Wed Oct 9, 2013, 12:15 PM
Oct 2013

to the government and have won contracts based on that.
The Federal government has your Social Security number and also has it tied to benefits receipt and employment history but that doesn't mean that they have the means or authority to unify cross-agency data files in order to create the identity reference data.

Because private sector companies have virtually unrestricted use of SSNs as identifiers they DO have identity references tied in this way. They can and do market this product back to the government and make money.

Many people are afraid that the government knows too much about them. What they should really fear is how much the largely unregulated private sector knows.

Junkdrawer

(27,993 posts)
36. The ole Private Sector workaround. Made news during the NSA scandals this summer...
Wed Oct 9, 2013, 12:21 PM
Oct 2013

A government employee can go to jail for things the private sector does with impunity.

KoKo

(84,711 posts)
42. Agree...but, the IRS can also verify who you are by SS# and can verify
Wed Oct 9, 2013, 12:27 PM
Oct 2013

income. The IRS should have been allowed to hire more employees to verify for the upcoming ACA.

 

B2G

(9,766 posts)
32. Will this show up as an inquiry on your report?
Wed Oct 9, 2013, 12:18 PM
Oct 2013

Asking because as many times as people are trying to submit things, I'm concerned about repeated hit on the reports.

Might want to check. It's not a good thing to have a large number of inquiries on your report.

ProSense

(116,464 posts)
34. Well, one thing is certain.
Wed Oct 9, 2013, 12:19 PM
Oct 2013

A lack of understanding about the law, the way the system has worked, the changes, and pushing misinformation is not limited to the RW.

I mean, it's unbelievable how much wrong information is being pushed.

Junkdrawer

(27,993 posts)
38. Experian ISN'T being used to verify identities?
Wed Oct 9, 2013, 12:24 PM
Oct 2013

Funny, when I called the help number on healthcare.gov, they told me only Experian could resolve my problem.

http://www.democraticunderground.com/10023807029

ProSense

(116,464 posts)
45. So
Wed Oct 9, 2013, 12:35 PM
Oct 2013

"I'm glad a good number of people haven't turned in their brains to Obama."

...being utterly uniformed means that you "haven't turned in their brains to Obama"?



 

jberryhill

(62,444 posts)
47. Because tinfoil hatters shot down the secure digital ID initiative
Wed Oct 9, 2013, 12:36 PM
Oct 2013

The basic problem is that there is no uniform system for online digital ID verification.


http://www.cbsnews.com/8301-501465_162-20027837-501465.html

The Obama administration is currently drafting what it's calling the National Strategy for Trusted Identities in Cyberspace, which Locke said will be released by the president in the next few months. (An early version was publicly released last summer.)

"We are not talking about a national ID card," Locke said at the Stanford event. "We are not talking about a government-controlled system. What we are talking about is enhancing online security and privacy, and reducing and perhaps even eliminating the need to memorize a dozen passwords, through creation and use of more trusted digital identities."

The Commerce Department will be setting up a national program office to work on this project, Locke said.

Details about the "trusted identity" project are remarkably scarce. Last year's announcement referenced a possible forthcoming smart card or digital certificate that would prove that online users are who they say they are. These digital IDs would be offered to consumers by online vendors for financial transactions.

Schmidt stressed today that anonymity and pseudonymity will remain possible on the Internet. "I don't have to get a credential, if I don't want to," he said. There's no chance that "a centralized database will emerge," and "we need the private sector to lead the implementation of this," he said.

Jim Dempsey of the Center for Democracy and Technology, who spoke later at the event, said any Internet ID must be created by the private sector--and also voluntary and competitive.

"The government cannot create that identity infrastructure," Dempsey said. "If it tried to, it wouldn't be trusted."
 

jberryhill

(62,444 posts)
58. ....which are used for those purposes
Wed Oct 9, 2013, 01:09 PM
Oct 2013

There is not a uniform digital ID standard. I have an encryption certificate for submitting stuff to the US Patent and Trademark Office too, but absent a digital ID system for the population in general, there are few alternatives.

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