> Selling the solution to the problem you caused ought to be illegal.

Most tech solutions are built on the problems they created. This includes phones, cars, computers, every software upgrade, and almost every electronic gadget. You are forced to use them because the world around you is no longer compatible with the way of life that was before the introduction of these tech.

This would eliminate the credit report, monitoring and fixing industry, which would be a good thing.

Court records are public in the US. If creditors want to know if you’ve been in financial trouble, they should check for bankruptcies and lawsuits, not the extrajudicial version of those that the credit reporting companies run based on hearsay.