The law says that it is illegal to report inaccurate information. The law does NOT say that it is illegal to not report accurate information. (There's a difference.)
Many CSR's believe it's illegal; the higher-ups know it's not. I think it's a violation of their agreements with the CRA's, though, so they don't exactly hand them out like trick-or-treat candy. Deciding to GW (or PFD) is a business decision.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007