Most likely the data was wrong. The credit report industry has a 20% error rate. See the old 60 Minutes investigation on this. http://www.cbsnews.com/news/40-

Most likely the data was wrong. The credit report industry has a 20% error rate. See the old 60 Minutes investigation on this. http://www.cbsnews.com/news/40-million-mistakes-is-your-credit-report-accurate-25-08-2013/ http://www.cbsnews.com/news/40-million-mistakes-is-your-cred...