U.S. Consumer Credit Reports: Measuring Accuracy and Dispute Impacts

This report assesses the accuracy and quality of data collected and maintained by the three major nationwide Consumer Reporting Agencies (CRAs): Equifax, Experian, and TransUnion. The study enabled consumers to review their credit reports and credit scores from one or more of the three CRAs, to identify potential inaccuracies, and to file disputes as necessary through the consumer dispute resolution process governed by the FCRA, and to report on their satisfaction with the dispute outcome. The impact of the disputes is measured through credit score and credit risk tier changes.


Authors: Michael A. Turner, Ph.D., Patrick Walker, M.A., Robin Varghese, Ph.D.

Topics: Credit Access