Is there any downsides to deleting or opting out?

Eg if you opt out of credit agencies then you have trouble getting credit cards and loans.

I don't think that it's meaningfully possible to opt out or delete, so this is a purely academic question.

You can factually opt out AND delete the data if you’re a California resident - as specified by the above link.

Not to a great enough degree, though. Just try opting out of the major data collectors, such as LN or credit rating agencies, and see how that goes.

Also, it does nothing for people who aren't in California.

California's law is much better than nothing, but it's not as good as the GDPR and the GDPR isn't really adequate.

Thanks for this. Sadly, but not surprisingly, it is broken with the following error: "A system error has occurred and we are not able to process your request. Please try again later."

I got that same message (twice!), but got a confirmation email a few minutes later.

This is likely largely useless unless they have significant private sources of data. Publicly available data is exempt from deletion.

https://oag.ca.gov/privacy/ccpa#heading5d

This form asks for your address, ssn, etc. I'm wary of giving this type of a company more information than they may already have. It's like those opt out email links where you need to enter your email address. Are you opting in or opting out ?