That's not fraud. The tort you're looking for is libel. The "Fair" Credit Reporting Act explicitly immunizes the surveillance bureaus against the tort of libel. This is actually another instance of regulatory capture.
Wow, I did not know that the surveillance bureaus are exempt from libel. What an incredible law against the interests of the people. That explains why I've never heard about class action suites against them. I'll have to read up on it. Thanks for the info.
