>> Fortunately, they DON'T have access to the entire financial record of every American.
Maybe not the ENTIRE fin. rec. - but already damned close to it.
And what is even MORE disturbing - the IRS and SOC.SEC. agencies use THOSE 3 companies, without warrants, to get your records.
Proof: Simple - try signing up for a 'mysocialsecurity' online account from the SSA. The 'security questions' they ask come DIRECTLY from the records of those three companies - not from any info you've supplied to the feds via mandatory 'inform on yourself' filings such as 'filing your income tax statements'.
Finally, brethren, whatsoever things are true, whatsoever things are honest, whatsoever things are just, whatsoever things are pure, whatsoever things are lovely, whatsoever things are of good ...