They have a process for challenging, but it is difficult, and in some
cases impossible to get bad information removed.  The IRS put a tax
lien on my partner's credit report in error three years ago, claiming
he owed them 30K when they actually owed him 12K.  It dropped his
score more than 80 points and we have been fighting since to get it
removed.  If they were a private company he could sue them under the
fair credit reporting act, but try suing the IRS.

On Fri, Jan 7, 2011 at 7:24 AM, Justin Scott
<jscott-li...@gravityfree.com> wrote:
>
> As an information broker relying on the banks and other financial
> institutions to submit the records, it is nearly impossible for them to
> ensure 100% accuracy.  It is mandated that people be able to pull one free
> report every year specifically to check for problems.  I'm sure they have
> processes which do look for obvious errors and correct them, but expecting
> 100% accuracy across billions of records is unrealisti

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