After years of dealing with collectors and CRA's both as a debtor and as a debt owner, I am convinced that all the CRA's and most collectors are at best unethical, at worst criminal in their behavior! All have a vested interest in proliferating and maintaining inaccurate and incorrect data. They no motivation to correct bad data. Laws made ostensibly to make them behave are ignored because the laws have no effective "teeth" and are mostly ignored on a daily, wholesale basis. Only when faced with certain legal action do they respond appropriately. They also treat anyone with a record in their system with disrespect and use any method, lies, threats, and worse to collect. I no longer use ANY of them in association with any of my businesses!