..."Experian to use reasonable procedures to accurately portray the information that is conveyed to it. Congress understood that credit reporting agencies would not always be given accurate information, and therefore established procedures for consumers to dispute information in their reports. " ----SOUNDS LIKE CONGRESS WAS BOUGHT OFF! "The FCRA then requires credit reporting agencies, upon receipt of a consumer's disputes, to investigate for the first time the accuracy of the item it has reported." ----EXCUSE ME! WHERE DOES IT SAY ONLY THE "FIRST TIME" IN THE FCRA? " If a credit reporting agency accurately reports the information it is given, and then completes its investigation of a consumer's disputes in a reasonable amount of time, the credit reporting agency has complied with its requirements under the FCRA. " ---OKAY, THEY FEEL THEY ONLY HAVE TO ACCURATELY REPORT THE INFORMATION THEY ARE GIVEN - REGARDLESS OF THE ACCURACY! "Therefore, the FCRA places an affirmative duty on consumers to spend time correcting items they dispute on their report. Congress made this choice, rather than mandating that credit reporting agencies insure that information provided to them is accurate before reporting it, to allow the widespread availability of credit in this country. " ---LETS BLAME IT ON CONGRESS AGAIN - AND WE DON'T FEEL WE ARE MANDATED TO MAKE SURE ANY ITEMS ARE ACCURATE! "Therefore it was decided, so that credit will be freely available to consumers, to impose a minimal burden on consumers to insure the accuracy of their own credit reports. " ----WHAT IN GOD'S NAME DO THEY CONSIDER A "MINIMAL BURDEN" - IT IS S ROYAL PAIN IN THE KEESTER TO CORRECT ERRONEOUS REPORTING!