One of the interesting aspects of credit reporting is that they do not address the issue of illegal fees, fines and penalties.
They do not have a provision for unconscionable behavior, nor do they acknowledge that the consumer has a complaint against the vendor or credit holder for breach of contract for lack of good faith and fair dealing.
This, I believe leaves them open to class action litigation for those issues: unconscionability, breach of contract for good faith and fair dealing, which in turn leads to consumer fraud violations.
contact me if your credit score is low due to these issues and if you have contacted the "big three" complaining that they report "credit" even though the vendor has violated laws with respect to breach of contract for good faith and fair dealing, unconscionability and consumer fraud.
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