In Georgia the Office of Consumer Affairs has full legal (criminal) authority over all credit reporting bureaus. I just filed complaints against all 3 today. takes 2 mos or so to get the case going and you have to send info in the mail documenting the abuses... But: Not disclosing current statuses to the consumer, but reporting derogs to the creditors (EXP). Having positive tradelines on the consumer statement but putting them in the negative creditor section (EXP) Refusing to dispute inquiries is a violation of the FCRA (after reading it more, I'm certain). (EQ) Missing disputes, not investigating, using the 30 days, then wanting to make you wait for a new one when you point out their errors! Ha. (ALL) Saying "new info" but changing nothing. (ALL) Refusing to add a consumer statement (EQ) Trying to talk you out of a consumer statement. Then when you insist, not putting it in (EXP) Letting warnings drop from your file after 7 years, but never telling you so you don't know to add them again! (ALL) "verifying" items as correct when the creditor just sent a UDF for full removal. Ugh. (ALL) The more I document these abuses, the more cases I read, the more laws I see... the more ticked I get. ;] I think some of this just may be criminal. Certainly falls under deceptive practices. The point is also, look at your state laws. You may have consumer reporting agency laws and you almost certainly can include these vilations as STATE violations of deceptive practices laws... Hit them for state violations as well as Federal FCRA violations. Just thought I'd pass this along.