4 ms·
Although it can be a pain, the responsibility of if your credit report is accurate falls on you, the consumer. I can only be responsible for the things I do.
by dhimes 10y ago
Although it can be a pain, the responsibility of if your credit report is accurate falls on you, the consumer.
I can only be responsible for the things I do. If some shithead wants to give third-party information about me it better be accurate, and if its inaccuracy causes me harm it should be actionable.
- TheCoelacanth 10y agoExactly. If I spread false information about someone to their detriment, that is slander. How do credit reporting agencies get away with it?
- sokoloff 10y agoGenerally, (in the US) statements made in good faith and with reasonable belief that they are true are not going to be found slanderous.
- HarryHirsch 10y agoProbably with carefully written laws, same as why we are seeing bogus DMCA requests all the time. Most crime has to be committed "knowingly", but if you automate your DMCA takedowns they can't catch you for perjury because you don't know what your system does.
- gnopgnip 10y agoIf a creditor incorrectly reports a debt after writing to the creditor and credit reporting company you can sue them under the FCRA for actual damages or the statutory $1000 per violation.