All of this is covered by the FCRA (fair credit reporting act). Yes, if there are mistakes in your credit report and you ask the CRA to correct them through de

All of this is covered by the FCRA (fair credit reporting act). Yes, if there are mistakes in your credit report and you ask the CRA to correct them through designated channels they are obligated to fix things. However: 1) Whether you have previously seen your credit report or not is not relevant to this obligation. Most people will be better served by staying on top of things and getting errors corrected sooner rather than waiting to run into problems when applying for credit because: 2) Fixing things will take time. The CRAs are not obligated to act overnight, but instead on the order of 30 days or so. And depending on the exact nature of the errors, this can involve several sequential 30 day round trips. If you need a loan to, say, buy a house right now that's gonna be a bummer for you. 3) In the end, if the CRAs don't follow the rules it's not actually a problem of libel for them. They're much more likely to have a problem with their regulator than to be concerned with a private lawsuit. AFAIK no one has ever successfully sued a CRA for libel. People have tried and failed though. Frankly if you threaten to sue for libel you will not be presenting as professional[A] and you will hinder your cause. A. See https://www.kalzumeus.com/2017/09/09/identity-theft-credit-reports/ https://www.kalzumeus.com/2017/09/09/identity-theft-credit-r...