The DAC report's worst feature is that drivers can't see what's in it. Oculus flips that: drivers control their own reputation file, see exactly what every carrier shared, and dispute anything that's wrong. Carriers get higher-quality data because drivers trust the system enough to keep it current.
Every consent is captured electronically with a timestamp and IP audit trail. Drivers receive a copy of any consumer report ordered, with the CFPB Summary of Rights. Pre-adverse and adverse action notices generate automatically with the required wait window. Driver-owned data is portable. Disputes route to the carrier who submitted with auditor-grade evidence trails. See the DAC alternative page for the side-by-side comparison.