Answer (from CFPB and Consumerist): Credit reporting agencies (three of top four) and banks
As we have noted previously, 1 out of 4 consumers have errors on their credit reports, which highlights the importance of checking your credit reports every four months (you can get a free report on annualcreditreport.com from each of the three agencies (Experian, TransUnion and Equifax) so spread them out every four months). Here are the specific complaints being made about the credit agencies:
Also, consumers need to have some persistence to get these errors corrected although the credit agencies agreed recently to streamline their dispute resolution process.
Check out the NGPF Lesson on Credit Score Basics