"hey, credit bureaus, guess what? You know how you were too fucking lazy to change your forms/software to account for these other countries and SSNs? Well, now you get to eat those debts, in your profits. And we'll let the IRS know, too, so you can't try some rotten underhanded tax tricks. And if we catch you wrongly harassing innocent civilians again, we'll rip out your balls and ship them to Jupiter. Clear?"
It frustrates me - the government is supposed to be here to serve the interests of private citizens and protect us from big corporations trying to rip us off (among other things), but somewhere along the line, they teamed up with big business and pinned down the American consumer while big business just kept swinging.