Seems like they're building the hype train so that consumers want to pay for a version they can use to "take control" of their digital identity.
Legally speaking they're supposed to get your authorization, but yeah it's an honor system.
>but makes it super difficult for you to get it or rectify any wrong data.
Is it? I thought all you had to do was write them a letter?
Yes, it is. I've been trying to get this data on myself for years now, and have yet to succeed. Letter-writing is not sufficient (at least in the US).