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NATIONAL CONSUMER LAW CENTER’S REPORT
AUTOMATED INJUSTICE:
HOW A MECHANIZED DISPUTESYSTEM FRUSTRATESCONSUMERS SEEKING TO FIXERRORS IN THEIR CREDITREPORTS
January 2009
NATIONAL
CONSUMER LAW
CENTER
 ® 
 
 
Automated Injustice:How a Mechanized DisputeSystem Frustrates ConsumersSeeking to Fix Errors in TheirCredit Reports
Written by:
Chi Chi Wu
 Staff AttorneyNational Consumer Law Center
Contributors:
Leonard A. BennettEvan Hendricks
ACKNOWLEDGMENTSPortions this report are based on the Congressional testimony of Leonard A. Bennett, aconsumer attorney specializing in credit reporting cases, to the House Financial ServicesCommittee during a June 2007 hearing. It also follows the work of Even Hendricks,editor of Privacy Times, and the author of 
Credit Scores and Credit Reports: How theSystem Really Works, What You Can Do
, which contains additional information aboutthis topic and many other important issues concerning credit reporting.Thanks to Lauren Saunders and Willard Ogburn of NCLC and Richard Rubin forvaluable guidance, feedback, and editorial assistance in the preparation of this report.Svetlana Ladan formatted the report and its graphics. Tamar Malloy provided editorialsupport.Thanks to the following consumer attorneys who provided valuable information and/orrepresented the consumers in this report: Justin Baxter, Blair Drazic, Steve Fahlgren,Joanne Faulkner, Richard Feferman, James Francis, Christopher Green, Ian Lyngklip,Robert Sola, David Szwak, and Lisa Wright.Copies of this report are available by downloading from NCLC’s web site atwww.consumerlaw.org.
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