The federal government is the reason it is this way-- the FCRA "Fair credit reporting act" is what give this bureaus virtual immunity from liability for propaga

The federal government is the reason it is this way-- the FCRA "Fair credit reporting act" is what give this bureaus virtual immunity from liability for propagating false information and the like. This is a great example of where regulation is anti-consumer because the regulations that pretend to protect consumers provide very little protection for consumers and a great deal of protection for the CRAs.