Interview with the Guy Who Tried to Frame Me for Heroin Possession 7 years ago
I work at one of the big 3 credit bureaus so thought I’d chime in -
It is entirely possible to report inaccurate information to the bureaus. Although more often than not it’s on accident, not malicious. Additionally bureaus collect a lot of information from other sources. Some public some private. It’s possible for these datasets to be error prone themselves.
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)