I don't think most people would care about having their info collected if they did not fear that the information would be corrupted with lies from banks who hav

I don't think most people would care about having their info collected if they did not fear that the information would be corrupted with lies from banks who have been the victims of loan fraud. If credit reports only had true information, "identity theft" would not exist. Somehow the banks get away with lying to the credit bureaus about you defaulting on loans. And the credit bureaus are not penalized for propagating the lies. Not sure why a law can't be passed to fix this propagation of lies. Free speech limitations?