First is Hanlon’s Razor; “Never attribute to malice that which is adequately explained by stupidity”. It appears to be especially applicable here.
Second is that this kind of information (with far richer data) is already accessible to and used by corporations at scale; think credit bureaus, background checkers, etc.
Those "razors" (Occam's, Hanlon's, etc) are just heuristics, not axioms. At what point you're supposed to stop assuming root cause is just stupidity? given the priors one can perfectly asume malice right away.