I'm not sure there is 'no correlation'. But I don't trust the credit industry to not do stupid things... My credit report often has accounts that aren't mine

I'm not sure there is 'no correlation'. But I don't trust the credit industry to not do stupid things... My credit report often has accounts that aren't mine listed. Balances can be wrong for months. Accounts occasionally show late payments that were on time. The dates are often wrong (sometimes by years) for items, and then little things that are used to verify my identity by many companies can be quite wrong, like past addresses.