Credit bureaus watch all of us all of time. If we simply turned over our homeland security to credit bureaus we would have a huge staff dedicated to stopping terrorists rather than finding out whether we have a handle on asset management or not.
Of course what I am saying is facetious; we do not need our credit companies watching anything else period. What I am pointing out is that whatever our situation there are people who keep an eye on our asset management.
And just as law enforcement people sometimes drop ball when it comes to keeping out terrorists; sometimes credit bureaus drop ball and mess up our credit reports.
In fact law enforcement has thousands of individuals and organizations scrutinizing everything they do. A police officer is aware that he is always on display. These credit bureaus are never 'on display' they operate behind scenes. Also they gather far more information about people than law enforcement ever could.
You would never allow somebody to come into your home and look through your papers would you? You wouldn't let police ask you about your asset management any more than you would let them look at records of your speed on your car. But that is what we do every day with credit bureaus.