Mark,
I'm not sure about your comment "That insurance companies watch or share information about how many times a persons medical files were looked at for insurance consideration, much like a credit applicant and their credit report."...but I will look into that further for you. Frankly, I don't know how they can do that under the current HIPAA (Health Insurance Portability and Accountability Act) regulations. The rules are clear: "In addition, patients would have to sign a specific authorization before a covered entity could release their medical information to a life insurer, a bank, a marketing firm or another outside business for purposes not related to their health care." This would imply that no one would be able to obtain information or knowledge about you or your records without your permission. For more information on HIPAA visit http://www.hhs.gov/ocr/hipaa/. There are penalties for violating these laws. If you feel someone has you can file a complaint at http://www.hhs.gov/ocr/privacyhowtofile.htm.

As for your second question...your physicians and other healthcare providers are under an obligation to thoroughly document your care in your medical record. Information that is detrimental to planning and administering your care should be recorded in your medical record. Changing those records would at the very least be unethical and potentially illegal. Having said that, corrections can be made to medical records by entry of another dated note that documents the edits or corrections to previous entries. Under HIPAA, you do have the right to review your medical record and if you have questions or disagree with any entries to your record, you can request the physician make changes via an entry as noted previously. The physician however has the final say