This is my take on this issue. The current way of doing business: regardless of whether it is Equifax, Transunion, or Experian, is over. For any loan, it should be up to the lender to prove the loan is really to the person they claim it is. The burden of proof should be on the person who furnishes a loan and the reporting agency. If you disagree with a mark on your credit report, the default must be that the mark be immediately removed pending investigation and if a derogatory mark is found to be incorrectly applied, the credit rating agency must pay statutory damages for each person for each incident. There is no other way forward.