The three major credit reporting agencies are Equifax (CSC Credit Services), Experian and Transunion.  These are multi-million dollar corporations that operate for profit.  They are not affiliated with the government in any way.  They make their money by selling your personal information to creditors for credit and insurance offers. 

They also sell your information to employers and landlords but worst of all, they sell your private personal information to telemarketers and mailing list companies without your permission.  The point we are trying to make is that these big corporations do not have your best interest in mind.  They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate. 

It is up to you, the consumer, to prove that your report is inaccurate.