Any company that tracks identifiable information about a person for the purpose of selling that information in the form of a credit-like check must 1) be registered to a central government website so that consumers can know about all companies participating in such tracking and 2) make available via a website the entire contents of their report for the affected individual.
The report will be free, available at all times (not just once a year) and cover not just credit reporting companies but companies used by rental properties, that track return stats, that track chargeback behavior, etc. Being denied a service because a company you have never heard of has false information about you is unacceptable and charging for access to information about yourself is unethical.