It’s been a while since I hit this one but since last time, of course, things are getting worse out there.  With prediction tools and apps being all the rage today, their reliability and accuracy are not always there.  Before the word “prediction” took over, we used to have words like “trending” and number crunches used for a lot of what we saw, but today it’s the big buzz word “prediction”.  Machine learning algorithms certainly can be useful but they too make errors.  A while back I connected data selling to lack of privacy and it got some attention, but I think not enough.

Excess Scoring of US Consumers, US Citizens-Scored into Oblivion By Proprietary Algorithms and Formulas, Never Duplicated or Tested for Accuracy-Profits of Big Business And A White House Executive Command To Continue the Abuse..

Today as companies see revenue streams disappear from their line of business, they turn to the easy solution of buying and selling consumer data, but it just doesn’t end there, they have to do something with it to create value, and that line of business today is called “scoring”.  It’s happening all around you and it’s evolved to what I call “Excess Scoring” as you have data scientists cranking and wrangling statistics and data every which way but loose to find out how to find some data with queries to sell.  A couple weeks ago in the business world, Bloomberg bought a data mining company which they intend to use in house and also sell to their clients so they can predict the behavior of clients.  Bloomberg of course might be motivated as they stand to lose a lot of money when JP Morgan and Bank of America cut thousands of Bloomberg terminals which rent for $21,000 a year, which has been the life blood of the financial world for years.  Replace that revenue, mine and sell data. 

Bloomberg is only one of many examples out there too as you also see IBM pushing this cognitive data mining like crazy, and that’s what 13 quarter of declining sales and too many years of stock buybacks end up producing, where do you make up the lost revenue, mining and selling consumer data.  Sure there are some value areas with mining big data when it comes to “real” research like some in healthcare, but even some of that gets blurred as you end up being marketed to believe some app is a diagnosis tool, when in fact it’s nothing more than another risk assessment that gathers, mines and scores you and sells the data and the scores. 

CVS and IBM Watson Project–Please Make It Stop-13 Quarters of Declining Profits for IBM, Is This Is What We Get, More Algorithms Biting Us Constantly So More Data Can Be Mined and Sold Resulting In Excess “Scoring” of US Consumers..

Many healthcare companies get around the HIPAA areas with in fact not selling your data that they have, but rather just selling a “score” and there’s little HIPAA help there and with that, so goes any privacy.  When computer scientists and Quants are under pressure to create a revenue producing model, things go a bit crazy and correlations become spurious and data becomes flawed. 

Silicon Valley Is At It Again Confusing the Public With Calling Risk Assessments a Form of A Diagnosis Tool…

So what happens when the data becomes flawed?  Are there avenues for consumers to use to correct the flawed data and scores being produced and sold for money, which by the way is a $180 Billion dollar a year business?  Few and limited.  Argus Analytics is one firm that buys up credit card data and puts out tons of “scores” about your behavior patterns.  How many of you have heard of that company?  Probably not many I would guess.  BDEX[3]

Argus Analytics Produces “Share of Credit Card” Data On Consumers - Digs Up The Dirt on Your Credit Card Behavior Patterns-US Consumer Protection Agency Is A Client-We Are Paying for Richard Cordray’s Slow Education Process

There have been some very faint efforts in Congress, they spend a lot of time talking about it, but again you have lawyers selling pixie dust that some magical new algorithms are going to protect consumers and on the deception goes.  With indexing and licensing data sellers, at least we would know who they are and where go to corrected flawed data.  Do we have that now? No!  You can find some of them but not all, especially the obscure companies that are taking the data and “scoring” you and selling those results. 

Senators Create a Bill to Go After the Data Brokers Selling Our Personal Data But It Doesn’t Go Far Enough-Tons of Companies And Banks Are Also Selling Our Data and Repackaging Information About Us…

BDEX is a “scoring” and data selling company, you probably never heard of.  Take look over there and see what’s going on with “scoring” you and your data.  They’re getting everything they can get their hands on and also tech and promote (and make money)showing others how to score you as well.  You’ll find Live Ramp from Acxiom over there too as a partner, Acxiom one of the biggest data brokers around.  Most people have no clue that all their electronic transactions are for sale, there’s no privacy so use cash when you can if you want a little bit of privacy.  It’s all over the place and read the link below on now how CMS wants to sell Medicare data (link below).  This is partially due to the fact that Medicare is run by a Quant,  Andy Slavitt with a background of being a former Goldman banker and a high ranking United Healthcare Executive that racked everyone over the coals with the error producing Ingenix Algorithms with physician pay and then later with medication adherence predictions with Express Scripts, selling algos to them.  CMS wants to “approve” those who get the chance to buy and sell your Medicare data though, but we know how that goes, no regulation there as all as again, we don’t know who all the data sellers are in the US and exactly what they do? 

CMS Medicare Proposing More Data Selling of Both Private and Medicare Patient Claim Data - A New Dignity And Privacy Attack on Both Consumers and Doctors

Unfortunately Data Scores get used frequently out of context and you have no idea how many times and how you have been scored.  When it comes to skewing a correlation to make image[3]money, data scientists and quants will stop at nothing if it makes money as their job may depend on it.  So in fairness there’s some outside pressure to keep a job that might make them cheat a bit and go spurious.

The World Privacy Forum was all over this a couple years ago with their extensive report “The Secret Scoring of America” and it’s a good report.  Sadly the White House, who spend a lot of time in virtual values these days did little with it other than recognize it existed.  I want to think the current administration is doing what many consumers have done and that is retreating over to a virtual world like Facebook to escape and not have to deal with a lot of what’s going on in the “real” ugly world.  In virtual worlds everyone gets to be LeBron, but in the real world, there’s only one LeBron.  We can thank Larry Ellison for those words of wisdom as sure he sees it loud and clear as well.  He’s a software engineer by trade and people that write code and create software are all very much aware of the bad side, but choose whether or not to talk about it. 

World Privacy Forum Report - The Scoring of America: How Secret Consumer Scores Threaten Your Privacy and Your Future - One Big Element that Fuels the Continued Attack of Killer Algorithms & Demise of the Middle Class Creating Profiteering And/Or Denial of Access

As consumers it’s only right that we at least know who’s scoring us and using our data when it gets flawed.  Are we to live out lives out with flawed profile created about us for the sake of corporations making big money selling it?  Why even get out of bed every day when we are “scored” to the hilt with risk assessments that are like a ball and chain around our ankles I ask? 

Junk Science Appearing Everywhere, Even The White House “PR Templated” Correspondence Creates Spurious Correlations…

Sure there’s some useful scoring going on out there and we need some of that but there’s a lot of it that’s gone over the top.  Even UCLA this week came out and said they suggested to stop using the BMI to determine a person’s over all health.  Data Scorers can take that number and wrangle it into a massive amount of other data bases and turn you into a huge “risk” assessment that shouldn’t be allowed to walk on this earth!  That’s where we are getting today as more and more bogus risk assessments are created that are nothing more than algorithms and math models to make money.

Step one for any real privacy to exist is to determine who all the data sellers are and what they sell.  I’ve had honest quants and mathematicians alike as well as the World Privacy Forum agree with this as a first step of action versus the whacked out perceptions that are being promoted out there now as privacy efforts.  How about when you get (your data) gets repackaged and sold?  None of the privacy dupes are talking about that and it does exist.  If you don’t think this exists, you have been spending too much time living in some virtual worlds out there that exist.

Anthem Data Breach–Crooks Want to Sell Data Too–The Impact of the “Data Selling For Profit Epidemic” That Exists in the US With Scoring Consumers Removing Access and Human Dignity

Prescription medication adherence scoring turns you into a non compliant Outlier and that data gets sold all over the place.  Most have no clue on how much money gets made selling your prescription data.  If you pay cash and they can’t find enough credit card data to prove you are filling a prescription, you default to being a non compliant Outlier.  Nice, huh?  How do you fix that?  These scores are all secret and you can’t get them, so you now there’s a double whammy, secret scores and secret data sellers you have no access to, can’t fix anything as a consumer that corporations “score” about you for a profile.  The post below was generated by a conversation I had with a real pharmacist with these concerns.  Read it and take a look at bogus metrics being used to substantiate your behavior, which of course as humans is subject to vary every time we change our minds, so a lot of flawed data reported about you here with their scores.  The pharmacies have to make their numbers, not so much worry about how they educate you, just make those numbers using this flawed software. 

Patients Who Pay “Cash” When Filling Prescriptions Are Now Called “Outliers, Pharmacists Required to Fix Outliers as They Show Up As Non Medication Adherence Compliant With 5 Star Systems Full of Flawed Data…
Oh Crap, Now Hospitals Are Now Buying Data From Acxiom - Data Selling Epidemic Continues to Evade on Personal Privacy As “Algo Duped-Stat Rat” People Try to Implement Virtual Models That Won’t Work…

Again this is  a calling for those in our Congress to stop and do something for the consumer, give us at least the opportunity to know who’s scoring and selling our data?  We have to fight years ago to get that right for credit data and it’s gone way beyond that now with bringing in all other types of business entities with their secret scoring.  I guess at some point when the data scientists correlate to the point to where their spurious numbers are too far even for the dupes of hazard society to believe, well who knows what we might see, attacks on data centers?  Read the link below, sometimes this so called science can be nothing more than a guess. 

When The Models Are Too Complex With Too Many Bits of Data-Sometimes Quants, Data Scientists Just Guess and Assign a Number Value And “That’s Not Science At All “

So here’s my campaign that’s been out there for a few years now and I predicted this about 3 years ago too that data selling with skewing context about consumers would be the greatest attack on our liberties we’ve ever seen, all for the sake of corporations make money.  Scroll down and watch the 4 videos in the footer for some additional information from folks smarter than me. BD

Index and License all Data Sellers- Who Are they?  Put the brakes on this corporate profit making epidemic!

Here’s a video that pretty much covers it all with privacy…a documentary..

Related Reading from some archived posts:

Gamification–You Have Won and Now We Know All About You - It Didn’t Cost One Cent-Insurance Companies Have Games To Find Out More About You Too– “Attack of Killer Algorithms” Chapter 11
Congress To Investigate the Data Sellers - Need To Create a Law to Tax Them As The Algorithms Used For This Business Generate Billions of Dollars, Partly Why Corporate Profits Are So High - Remove the Medical Device Tax as They Produce Needed Jobs/Tangibles
PLOS One Abstract–Methodology for Detecting Manipulation of “P Values” To Show Significant Statistical Value, “Inappropriate Fiddling” Which Can Lead to “Algo Duping” Situations And Numbers
Big Data/Analytics If Used Out of Context and Without True Values Stand To Be A Huge Discriminatory Practice Against Consumers–More Honest Data Scientists Needed to Formulate Accuracy/Value To Keep Algo Duping For Profit Out of the Game
Hiding, Falsifying, And Accelerating Risk Has Become the Achilles Heel of the US Economy As the “Real” World” Clashes With the Values Created From a World of “Fictional Values” Of Formulas and Math
“Data Scientists”– An Oxymoron? Is Finding the Value in Data Bases Queried Together in the Business World To Make Money Actually Science?
Cathy O’Neil, Mathematician/Quant: Wall Street Quants The Culture, Big Data Mechanics, Algorithms, Data Mining, Lack of Privacy, Web Profiling, Health Insurance Profiles and Modeling Abuse…
Does the US Government Need a Department of Modeling and Algorithms–Is Data Addiction and Abuse the Next Up and Coming 12 Step Program, Some Classic Posts & Topics Revisited
Insurance Companies Are Buying Up Consumer Spending Data-Time is Here to License and Tax the Data Sellers-As Insurers Sell Tons of Data, Gets Flawed Data When Data Buyers Uses Out of Context Too
Big Data–The Data Science Code of Ethics-Designed By Those Who Create Models - Don’t Fall Victim To Write Fictitious Code and Models Just to Make Money With Clients Demanding Such
Modeling for Inequality With Segmentation, Insurance Industry Uses Backwards Segmentation As Some Models Stand to Threaten Overall Democracy
Data Floating Around the Web and You Don’t Know How It Got There? Time to License and Excise Tax Data Sellers–Identify “Flawed Data” Epidemic At The Root of the Problem
Licensing and Excise Taxing Data Sellers, Facial Recognition Yet One More Tool Used To Secure & Match Data - The Epidemic, Billions in Profits for Banks and US Corporations Using Killer Algorithms to Further Erode Consumer Privacy
FTC “Reclaim Your Name Campaign” Not Good Enough–No Path for Regulation Identified–All Data Sellers Including Banks, Insurers, Etc. Should Be Required to Buy a License
Data Selling Game Now Exploits the Non Regulated Billion Dollar Epidemic–”Data Dealer” The Attack of the Killer Algorithms Gamified
Pharma and Health Insurance Companies Pairing Up, Humana’s Analytics Subsidiary and Lilly To Figure Out How to Save (Make) Money and Provide Better Patient Care–Selling Research Data That Competes With FDA Sentinel Initiative
Insurance Company “In-Network” Complex Erroneous Algorithms Continue to Wreak Havoc With Patients and Doctors When It Comes To Coverage and Purchasing Insurance–Time to Begin “Sniffing Some Data”, To Include Labeling And Identifying Killer Algorithms
MasterCard As Well As Other Financial Institutions Using Big Data To Get Into Your “Online Pants” As Many Consumers Seem To Be Accidentally And Inadvertently Leaving Their “Internet Fly” Open
White House Office of Science and Technology Policy (OSTP) and MIT Co-hosting Public Workshop - Big Data Privacy-Not Possible Unless We License and Excise Tax The Sellers, The Corporate Profit Epidemic Continues to Spread
Big Data In Farming, Back to the Data Selling Business Once Again With Concerns of Where the Data is Sold and Who Uses It To Profit, Paying for IP With the Food We Eat Today
60 Minutes Blasts The Data Sellers, FTC Admits They Have Lost Control - Time To License and Excise Tax “ALL” Data Sellers, Banks, Companies, Etc. - Congress Needs to Act On This…
Fraud Algorithms Failing at Indiegogo Crowd Funding Site-Some Getting Through With Physicists Claiming the Technology Claimed Is Not Possible-Healthcare Related Apps/Devices
It Will Never be 100 Bottles of Beer, Healthcare, Financials, Etc.-A Simple Explanation and Guide To Think About With Reports and Analytics Floating Around Out There Today When You Look for Value..
Limitations And Risks Of Machine Ethics (That Really Don’t Exist) - Abstract Basically Substantiating the Existence of What I Coined As “The Attacks of the Killer Algorithms”…


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