". . . What is bogging down these types of actions is the bogus disputes and letters the bureaus receive. The credit bureaus are aware of these and simply notify the creditor/agencies this is a "credit clinic". When this appears, it alerts us to the fact that someone is possibly attacking the creditors, agencies, and bureaus." Are "troublemakers" flagged (I've long suspected they are) or does this mean something entirely different? Any collectors out there who have an idea of what this means?