The Retail Equation has become the gatekeeper of who’s “allowed” to make returns, and it’s not even accountable to the shoppers it flags. One bad data point, and suddenly you’re treated like a fraud risk for returning a pair of jeans. The kicker? Their reports often contain errors — wrong dates, wrong stores, or activity that isn’t yours. There’s a solid breakdown here on how that turns into real legal exposure under the Fair Credit Reporting Act: https://consumerattorneys.com/....article/the-retail-e When a company secretly scores consumers and blocks transactions based on bad data, it stops being retail “loss prevention” and starts looking a lot like unlawful profiling.
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