And this is my comment, which wouldn't exist without me, and I don't give you permission to read, link to, or reproduce it.

Except you have a choice to leave a comment where I don't have a practical choice to not give my information to a credit agency.

You can essentially opt out. Just never apply for credit in your life. Good luck.

At the end of the day you do consent to this through participating in the banking/credit system.

While the data may not exist without you, you are not the one recording it. Why does it not make sense to assign ownership to the one recording/creating the data in the first place?

You consent to X when you do Y, where Y is not explicitly consenting to X, is not a valid argument.

It's valid if X is having your picture taken and Y is being in public.

I agree that people make themselves vulnerable to someone taking their picture by going outside, but I strongly disagree that people consent to having their picture taken.

Well, maybe it's more accurate to say that it's impossible to consent because no consent is required to take someone's picture in public. People generally exercise control by choosing not to be in public. You could say that having your picture taken is part of the terms of service of using public space. When you agree to something, you also agree to all of the consequences. Just because they are implicit doesn't make them invalid.

Don't get me wrong, I don't particularly like having my picture taken without my explicit consent. In the end, consent is all rather arbitrary because it's not like you can choose not to live in human society on Earth.

Because I am the one carrying the risk, not the people collecting the data.