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> There are however official procedures for disputing/correcting errors in reporting and in my experience they do a pretty good job of validating everything (as that’s literally the business they’re in)

I'd disagree with that. The three agencies have a couple of names I've never gone by (I go by my middle name, so I expect "Middle Last" and "First Last" but I never went by "First Mother's-Maiden-Name"), and a couple addresses I've never lived at on my records for 20 years. They refuse to remove them.



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