Automated Injustice:How a Mechanized DisputeSystem Frustrates ConsumersSeeking to Fix Errors in TheirCredit Reports
Chi Chi Wu
Staff AttorneyNational Consumer Law Center
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 Ev
n 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.