Experian’s Unethical & Misleading Marketing

UPDATE 1/14/11: Probably since I tweeted to @ProtectMyID for a second time, someone stopped by and left a comment. I responded with my phone number via email and someone called…just to check to see if everything had been resolved.

Hmm…no apology. No explanation as to how this happened. Just a sort of collective shrug of the shoulders from these Experian folks. My post headline and post content stand.


When I had my wallet stolen on a family trip in 2004, I was pleased to have the big three credit companies be there for me to protect my credit. Experian was the one I used to put my account on a “hold” so that any company issuing credit to someone in my name would first have to call me. I’ve always thought Experian was trustworthy and a top notch company…until this week.

On Sunday December 26th I received an email from Experian’s “ProtectMyID” service. It started off with,

Thank you for ordering ProtectMyID.com.

For your security, additional information was required to confirm your personal information and activate your account. At this time, please call us so that we may provide you with immediate access to your membership. You will be asked to answer a few questions to confirm your identity before you are provided with access.

Being pretty savvy when it comes to phishing scams—and always double and triple checking to make certain anyone emailing me is legitimate—I checked them out thoroughly. ProtectMyID was, in fact, an Experian company and I decided I’d check up on them when I returned from our holiday trip.

Then today I received an official looking letter whihc made it clear that there was SOME sort of account activity. I launched a call to customer service and it turns out they were “fishing” (vs. “phishing”) for new customers since they were following up on my 2004 connection with them! The woman on customer service clearly positioned this as, “Well, you were a former customer” and that “you must’ve signed up at some point” both of which are complete bullshit.

This is the worst, most egregious unethical and misleading marketing I’ve EVER SEEN DONE BY A MAJOR COMPANY! Of course, it’s impossible to connect with someone by phone (like “Doug Sash, VP of Customer Care”) since they have no voicemail system that’s obvious. Experian ought to be embarrassed and this is precisely the sort of thing that a State Attorney General should take up and stop…immediately.

Here is the email and letter. Read them and you tell me if this isn’t misleading:

We are Media

If you are not working on your skills in communication—or mentoring others like your kids, staff, spouse and colleagues so their skills improve—you should probably quit now and get a job with zero human interaction.

Why? Because right now being media literate is not just the skill to critically thinking about the media you’re consuming, but today (and going forward) media literacy will be primarily how good you are at discovering great content from others; aggregating it in a way for you to keep it handy; and curating that content so you’ll be able to deliver the essence of your pitch, argument, point of view, opinion, set of facts, or whatever needs to be communicated to one or more human beings.

I’ve always loved an audience, starting from the time I was a little kid. The photo above is of my older sister Nancy and I hamming it up for my Mom so that she could have a photo with us incredibly enthused by this magnificent gift (cool…but not magnificent). I remember charging other kids admission for shows, being the emcee, and loving it.

In fact, I began blogging in 2004 and podcasting in 2005 to scratch that itch. I had A LOT to learn about being an effective writer, all about microphone technique, and how to pull together a show others would find interesting and worth their time to give it a listen. Having done some on-camera work I was comfortable with that, though never felt compelled to do much of that other than inside the occasional screencast with me introducing the content with a brief talking head introduction.

Though I was teased good-naturedly by other executives when I ran strategic alliances at Lawson Software about my podcast specifically (and one exec played mine before a big meeting started and got lots of chuckles from others in attendance), I’ve since coached and mentored several of them on how to effectively leverage video, podcasting, blogging and social media in general.

What I find is those who cannot effectively communicate with media are already at a distinct disadvantage in the marketplace, especially if one is in a leadership position or aspires to become a leader. One woman I know was so nervous about “being seen” that she would dig her fingernails in to her palms so that the pain would keep her focused on the interview and not how she felt! Kudos to her for sticking with it as she’s incredibly comfortable now being interviewed on TV, via webcasts and on podcasts. These skills she honed in a year and is still surprised today how her communicating with new media has become such an imperative in her job in marketing and her focus on social media.

NOT becoming media literate with creating content will be (and maybe already is) as important a skill as knowing how to use a computer is for most jobs today. If you’re not literate, people will automatically assume that “you don’t get it” and are somehow a bit of a dolt, not savvy and clearly behind the times.

Let’s (Not!) Play Comcast Monopoly

ARE YOU PAYING ATTENTION TV CONSUMERS? If you are, then you have GOT TO SEE the anti-competitive, monopolistic, anti-internet moves that Comcast is making. If you’re not, OPEN YOUR EYES AND START SCREAMING at your Congresspeople and Comcast themselves.

I didn’t fly off the handle and get really steamed today just because…it was this tweet from the guy that invented the World Wide Web, Tim Berners Lee, and it was a link to this page at Marketwatch. Seems that Level 3 Communications, one of the biggest backbone providers on earth, today released a statement about a MAJOR move by Comcast to put a big ‘ole “Collect $200″ every time an internet TV company passes “Go!”:

On November 19, 2010, Comcast informed Level 3 that, for the first time, it will demand a recurring fee from Level 3 to transmit Internet online movies and other content to Comcast’s customers who request such content. By taking this action, Comcast is effectively putting up a toll booth at the borders of its broadband Internet access network, enabling it to unilaterally decide how much to charge for content which competes with its own cable TV and Xfinity delivered content. This action by Comcast threatens the open Internet and is a clear abuse of the dominant control that Comcast exerts in broadband access markets as the nation’s largest cable provider.

Are you serious Comcast? I truly hope that all the big kids with really deep pockets line up against you with their Howitzers. Maybe you’re itchin’ for a fight and methinks you’re gonna get one. Since you’ve got such little value-add or customer loyalty (I’d switch in a nanosecond if Qwest would get their sh*t together and drop fiber to my house which is only 1,000 feet away now) that I’d bet most people could care less if you tanked.

I’ve been writing about Comcast’s monopoly moves for a loooong time here and another site I run called Minnov8. See thisthis, this, this, this and this for more if you’re interested (and yes, there are even more posts).

Somehow this company thinks that THEY OWN the internet connection in to your (and my) house. That they get to control what comes over that pipe and that they should be able to charge Hulu, Apple, Google, Boxee, Revision3 or anyone who wants to deliver video content that somehow competes with what they offer.

I don’t care how much Comcast whines about the volume of streaming video bits that people are supposedly downloading. EVERYTHING COMCAST IS DOING IS ALL ABOUT PROTECTING THEIR MORE THAN $2B IN REVENUES FROM CABLE TV and not what they claim all the time: “Oh…it’s all about network management.” Again I call “bullshit” since Comcast is building out HUGE STORAGE CENTERS in Colorado, Minneapolis/St. Paul and Philadelphia so they clearly don’t want any of these other providers to get a foothold before they bring these centers fully online.

If anyone (especially someone representing Comcast in any way) tells you that this isn’t all about Comcast-protecting-Comcast they’re full of sh*t. Also, please oh please don’t comment with one of those, “But it’s good for the consumer” lines of crap. It’s not. It’s all about competition and let’s see if our paid-for new Congresspeople let the free market rein or if they protect their pals at Comcast.

You know what Comcast? I’ll bring over whatever bits I want to and I’ll pay you for your dumb pipe. That said, I really don’t want your crappy cable TV, your weak xFinity service or your on-demand that takes minutes to come up while your worthless and noisy previews run in the background. Your Scientific Atlanta DVR boxes are a joke and are worse than TiVO was 10 YEARS AGO; your on-demand pales in comparison to Netflix, AppleTV, GoogleTV, Boxee, PlexApp, Hulu…shall I go on?; and I’m sick of paying for TV that I don’t watch but have no choice in taking so you can promise households to ESPN and others.

Wow…I had no idea I was so pissed off at Comcast but there it is. What are YOU going to do or say or are you just going to lie there eating chips figuring someone else will figure it out?

Western Digital Portable HDs Are Too Fragile

A word of caution to those of you moving around with small portable hard drives: they are extremely fragile and you could lose all of your data….easily. In addition, some of these drives are more fragile than others since their manufacturers have taken shortcuts to make them smaller than competitors portable drives.

My wife carried around a portable, 1 terabyte hard drive. On it were redundant, backed up files (480GB worth and about 478GB she already has on another drive) but also contained a directory of images she’d taken at a European trade show. In its soft case, it slipped from her grasp about two feet from the floor and subsequently wouldn’t mount on her computer desktop.

Fearing the worse, I began diagnostics on it and was able to see it as attached storage and determine that the read/write head wasn’t doing any damage to the disks themselves. None of my recovery programs would work though—and professional data recovery starts at $695 and can run to $1,995 (from Kroll OnTrack 5 minutes from our offices)—so I tried other recovery attempts.

This portable hard drive is the Western Digital (WD) 1TB My Passport, now available at Costco for $129. Apparently to make their portable hard drives smaller than the competition, WD took a shortcut and has taken to soldering the USB connector directly to the controller board on the drive. What this means is that I couldn’t do what I’ve done in the past with other portable drives: pop open the case, take the drive out, and plug it in to my desktop tower (or even to an external case) and bypass what is likely a broken USB connection.

My only other options were to spend what would likely be ~$1,000 to recover my wife’s photos or to try just one more recovery method.

Since I had a desktop external 1TB hard drive I could use to recover the files using DDRescue, I started that block-by-block copying process the next morning (Friday). That afternoon I talked to a buddy of mine who runs service for a large retailer and mentioned I was three hours in to the process. He asked me to place my hand on the external hard drive to which the data was being copied. “Damn!“, I exclaimed, “It is very hot!” His response to me was, “At the rate of recovery and the amount of data on your diskit will take 10 days to recover but you’ll burn up your hard drive before the weekend is out.

Besides the knowledge they have of recovery, it turns out the pros have very expensive recovery drives that are cooled and run thousands apiece. “Don’t be a tightwad. Spend the money Borsch” was his parting advice.

That’s my cautionary tale to you today if you’re considering owning one of these portable drives (or already do). Even if you’re rigorous about backing up, if you’re enroute to the place where you do backup and drop this drive before you have a chance to do so (especially one of these WD drives) you can kiss your data or many hundreds of dollars goodbye.

Google Settles Buzz Class-Action Lawsuit

Just received an email from Google about the class-action lawsuit settlement regarding privacy breaches caused by the Google Buzz rollout:

Google rarely contacts Gmail users via email, but we are making an exception to let you know that we’ve reached a settlement in a lawsuit regarding Google Buzz, a service we launched within Gmail in February of this year.

Shortly after its launch, we heard from a number of people who were concerned about privacy. In addition, we were sued by a group of Buzz users and recently reached a settlement in this case.

The settlement acknowledges that we quickly changed the service to address users’ concerns. In addition, Google has committed $8.5 million to an independent fund, most of which will support organizations promoting privacy education and policy on the web. We will also do more to educate people about privacy controls specific to Buzz. The more people know about privacy online, the better their online experience will be.

Just to be clear, this is not a settlement in which people who use Gmail can file to receive compensation. Everyone in the U.S. who uses Gmail is included in the settlement, unless you personally decide to opt out before December 6, 2010. The Court will consider final approval of the agreement on January 31, 2011. This email is a summary of the settlement, and more detailed information and instructions approved by the court, including instructions about how to opt out, object, or comment, are available at http://www.BuzzClassAction.com.

——————————————————————–
This mandatory announcement was sent to all Gmail users in the United States as part of a legal settlement and was authorized by the United States District Court for the Northern District of California.

Google Inc. | 1600 Amphitheatre Parkway | Mountain View, CA 94043

What? No compensation? Dang-it…

Sherlock Redux

PBS’ Masterpiece Mystery! has a brand new adaptation of the Sherlock Holmes mysteries but brought forward in to the 21st century. What would a die-hard Holmes fan think about a Wifi, mobile phone, GPS and DNA using Sherlock?

Since I was 10 years old, I’ve been fascinated by the Sherlock Holmes mysteries. Watching the original Basil Rathbone movie adaptations as a kid were interesting, but Dr. Watson was portrayed as a buffoon which always bothered me. Then my sister/brother-in-law turned on our family to the Jeremy Brett Sherlock Holmes and, for classic fans, Brett is arguably the absolute best embodiment of the character yet. The Granada TV adaptation also was so rich in visuals—and made the viewer feel late 1800′s/early 1900′s London—that I’ve hoped for a BluRay version of this series.

My son playing Holmes in the Sherlock Holmes Museum

Our family loved Holmes mysteries so much we went out of our way during a trip to London to stop at the The Sherlock Holmes pub and head over to the Sherlock Holmes Museum at the (used with permission of the City of Westminster in London) faux address of 221b Baker Street, Holmes fictional home/office location.

Being such classic fans, when PBS launched this new series my wife, daughter, son and I were highly skeptical of any sort of re-do, especially one set in the 21st century. To say we are incredibly delighted with the series is an understatement. Within 10 minutes of watching the first episode we were hooked and thinking this ‘new’ Holmes and Watson are nearly perfect.

Having Holmes leverage all of today’s new technology and techniques could’ve been intrusive and a crutch, but its use surprised us that it didn’t take away from the core mystery. In some ways new tech and techniques take a back seat to the drive Sherlock has in solving the mystery and doesn’t seem to be invasive.

In another way, having Holmes and Watson be in the 21st century solving mysteries does something odd to a longtime Holmes lover: it takes away one troubling feeling that a consulting detective, living in a time when fingerprinting, DNA and other forensic techniques hadn’t yet been invented, was at a distinct disadvantage. This adaptation makes it contemporary and the focus now is on the purity of the characters and the mystery itself.

Haven’t been this enthused about a Masterpiece Mystery! program ever. There are only three episodes in Series I and we’re keeping our fingers crossed that there will be many, many more.

Check it out and, if you miss it, you can watch last week’s episode online or with the iPad PBS application.

NOTE: Ironically, the world’s best collection of Sherlock Holmes items resides here in my home State of Minnesota (see more here):

Comcast’s Xfinity Fail

When Comcast announced their nationwide Xfinity initiative, I greeted it with skepticism and that has only grown over time. Their “Fancast” website, now dubbed xfinity tv, has surprisingly crappy quality and I’m on a 16mbps down/2mbps up internet connection through Comcast. It’s so bad that I would opt for my AppleTV, Mac mini running Boxee, or the Roku box downstairs in a nanosecond before I’d watch this poor excuse for HD.

As an old mentor of mine always said, “Whenever there is great flux, there is great opportunity” and mine is to explore cutting the cable like so many other people are doing. This Wall Street Journal article positions cable cutting as consumers cutting costs in an economic downturn, but I believe it’s because cable isn’t delivering, they’re jamming too many costs down our throat for programming we don’t watch anyway, and there are so many preferable on-demand alternatives that people are cutting cable regardless of whether they have budget woes or not.

In my view, it’s crappy service and experience making most of us want to cut the cable. In my neighborhood we probably have more HDTVs per capita than anywhere in the Twin Cities. Lots of 30-n-40 somethings, bunches of technoweenies, and a demographic right in the sweet spot of a vendor like Comcast, but their nationwide Xfinity rollout is causing us nothing but problems:

  • Digital channels that break up, becoming pixelated with audio dropouts making shows unwatchable (see “Comcast’s Oscar Fail“)
  • A digital video recorder with the worst user interface I’ve ever used, making the first TiVo 10 years ago feel cutting edge like today’s iPad
  • An OnDemand system that is painful to use due to the lag time and constantly running (and loud) “commercial” for movies that plays while you browse with no ability to turn it off
  • The changeover from analog to all digital occurring now (so Comcast can pack many more new Xfinity services over their cable) that takes away HD viewing on TVs without a digital box connected to them AND a whole house distribution system that simply “isn’t available in your neighborhood” forcing us all to hang a bunch of crappy little analog-to-digital boxes on every TV in the house.

The biggest problems? There are two…. [Read more...]

“They’re Here…”

In the 1982 film Poltergeist, the little girl in the family becomes aware of the “TV people”, spirits manifesting themselves within the television. The first sign something was up is when the Dad falls asleep, the TV turns to white noise, and the youngest daughter hears the spirits talking and comes downstairs, places her hands on the TV saying, “They’re here!

No one in the family knows what’s coming and that the little girl has invited in the spirits and things turn ugly fast (by the way, if you haven’t seen it, rent it this Halloween and watch it with all the lights off).

We all know “they’re here” (services that analyze and aggregate what we’re doing online) but it’s happening so slowly, so stealthily and so seamlessly that most of us aren’t really aware of what’s coming.

I can talk until I’m blue in the face with clients about the power of “The Big Three“: Predictive analytics; location awareness; and presence awareness. These three are enabling all the major companies to perform precision targeting of ads by understanding our likely behavior and response to an ad, determining where we are located at that moment, and whether we’re online. The last one, by the way, will matter more as smartphones and mobile devices allow always-on apps to run in the background so marketers can deliver ads in real-time wherever we are at the moment.

You probably already know this but if you don’t, The Big Three are already here and living among us. And every smart app developer and online company are using them in some fashion! Is this a good thing or is it evil? [Read more...]

TV Disruption and the Politics Wildcard

I love the idea of a free market, one “...in which there is no economic intervention and regulation by the state, except to enforce private contracts and the ownership of property.” Unfortunately only the childlike, uneducated or the naive (um, like the Simpsons) would believe that the current and coming war for the digital living room is one which won’t see enormous political machinations. Especially since corporations are now people and can spend whatever they please to get whomever they want elected and thus get the votes for legislation in their best interests.

Unfortunately those best interests are rarely in line with startups, entrepreneurs or innovators threatening incumbents.

A friend of mine just sent me a link to the VC Fred Wilson’s article, “TV and the Digital Living Room,” and I was going to respond by email but realized that this was a post that had to be written. Fred pointed to an article by Mark Suster wherein Suster discusses “The Future of Television and the Digital Living Room.” In it Suster starts off with this and then details his Top Ten list of issues that form his perspective:

Nobody can predict 100% what the future of television will be so I won’t pretend that I know the answers. But I do know that it will form a huge basis of the future of the Internet, how we consume media, how we communicate with friends, how we play games and how we shop. Video will be inextricably linked to the future of the Internet and consumption between PCs, mobile devices and TVs will merge. Note that I didn’t say there will be total “convergence” – but I believe the services will inter-operate.

The digital living room battle will take place over the next 5-10 years, not just the next 1-2. But with the introduction of Apple TV, Google TV, the Boxee Box & other initiatives it’s clear that this battle will heat up in 2011. The following is not meant to be a deep dive but rather a framework for understanding the issues. This is where the digital media puck is going.

Suster and Wilson both miss one, huge wildcard that might just be the biggest obstacle or the saving grace of TV as it is and as it could be. [Read more...]

The Changemaster got Changed

Today’s revelation that Ray Ozzie is leaving Microsoft comes as no surprise. I briefly met Ray in April of 2007 and wrote about that encounter here. I then saw him a year and a half later at the Web 2.0 Summit and wrote about the radically different Ray here. The second time it was as though he was somehow channeling a Microsoft entity and had shifted into “corporate speak mode” in a major (and not good) way. I was instantly turned off. The question I had then was: Will Ozzie change Microsoft…or will Microsoft change him?

Ray got changed.

Though he undoubtedly led many great initiatives at Microsoft, to the world of us outside of the company he was, for the most part, invisible. People I’ve talked to at Microsoft often discuss the factions and turf battles that are endemic to the Microsoft culture and questioned whether he could hope to fill the shoes of what many people at Microsoft have termed “the soul of the company”, Bill Gates.

I suspect he wasn’t able to do things big enough or fast enough within the confines of a culture that doesn’t seem all that innovation-friendly (for a company that spends billions a year on R&D…they seem to have little to show for it besides a few flipper-flappers and dweebezaarbs in the latest version of Office).

About 20 years ago I read a book by Rosabeth Moss Kanter, a professor at Harvard Business School, called The Change Masters which might give us some insight in to the challenges Ray faced with Microsoft culture. In it she discussed how, “Change is a threat when done to me, but an opportunity when done by me.” She says on her blog, “I coined this truth in my book which compared innovation-friendly and innovation-stifling corporate cultures, and then saw it in operation in personal relationships, too. Resistance is always greatest when change is inflicted on people without their involvement, making the change effort feel oppressive or constraining. If it is possible to tie change to things people already want, and give them a chance to act on their own goals and aspirations, then it is met with more enthusiasm and commitment. In fact, they then seek innovation on their own.

I suspect Ray was challenged to completely shift the Microsoft culture away from one where the desktop OS is at the center of the universe to one where the internet, and most specifically cloud computing, most certainly is. Though it’s easy to see that fact outside the company, that’s the sort of change Microsoft people really don’t want and so the resistance to Ray and his initiatives must’ve been enormous.

CEO Steve Ballmer wrote this email to employees about Ray’s departure which certainly seems like he’s admitting “the cloud” is tangential to, “bringing the great innovations and great innovators he’s assembled into the groups driving our business.” Looks like it’s more business as usual at Microsoft…

….and why every developer I talk to, conference I attend and hot tech news article I read NEVER mentions Microsoft anymore, unless they’re discussing how irrelevant the company is in today’s cloud-centric world.  If I were Ray, I’d be delighted to be getting the hell out of there.

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