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Credit report

Credit Reporting Agencies tell about all parts of a consumer’s life, including criminal history. Even if its wrong.

Sept. 13, 2016

Bobby Allyn is a staff reporter for NPR member station WHYY in Philadelphia. But, he is actually the subject of his own story.

It seems that he, and a homeless man from Tennessee with a long criminal history share the same legal first name, last name and middle initial. They were also both born in 1987. For Trans­Union, a $4 billion credit reporting agency, that was close enough. In the files they sold to landlords who are researching their prospective tenants - the two were one and the same.

"It took me more than a dozen phone calls, the handiwork of a county court clerk and six weeks to solve the problem. And that was only after I contacted the company’s communications department as a journalist."

His situation is not unique. In fact, it is not even that uncommon. The Consumer Financial Protection Bureau (CFPB) says that that credit-reporting agencies, are the three most-complained-about companies in America.

So, what do you do if you have this happen to you and you aren't some famous reporter? How does the little guy get this fixed? Well, you can lawyer up. If fact I might just know a guy....

Read more at The Washington Post