I disputed four or five items on my Experian which the original creditors told me to do because the CA was reporting frivolous fraudulent duplicates. I just disputed the ones the doctors office told me to do. Experian then disputed nearly everything on my entire credit report. MyFico told me this was very wrong. I had nearly a 50 alerts come in at once stuff I didn't dispute but it reset some things of course reporting to all the CRA's. This is illegal from what I am told. And they did it right before I was buying a car which I am sure they knew I was doing.
There needs to be a forth CRA agency that's regulated by the government and regular consumers. These CRA need some checks and balances.
Ultimately they keep this up and the economy could collapse as it has kept consumers who might have had a job loss (happens) or medical debt (happens) and in my case debt that wasn't mine. You can't prove this if you don't get the bill and if you live out of state you can't go to the hospital and give them your DNA or something to validate a doctors appointment being double billed or fraudulently billed.
