>That is, the credit bureau doesn’t do a good enough job verifying identity. Credit bureaus routinely report false information and defame people based on false

>That is, the credit bureau doesn’t do a good enough job verifying identity. Credit bureaus routinely report false information and defame people based on false/unverified information that they don't even attempt to properly vet. If some random person called me on the phone and reported that you were a sex offender, and I dutifully repeated that to every job you applied for, every apartment you tried to rent and anyone else who asked me, I would be guilty of defaming you and responsible for damages. It should be no different for so-called credit reporting agencies.