counter claim bit federal agency that protects people. this particular plaintiff is actually violating consumers rights. it s nonallegation so we havi consumer protection agency that said they re gathering this information. neil: but i m not trying to excuse the behavior but if they re doing it, they re saying they re doing it because they need that kind of data to see if someone is trying to take advantage of you. correct. except the point is do you, do i i don t want the federal government tell me how to manage my finances. i don t want them looking at my credit. neil: would you want someone to tell you you re being snookered or the bank gouged you on the loan. believe me, we need another agency like i need another twinkie but do you understand that s what they re saying? this is about making sure the big guys don t take advantage. that may be what they re saying but to do it without my knowledge is unlawful.