Fair Credit Reporting: 4.3.3.2.1 How nationwide CRAs “build” their files
To understand how a mixed file can occur, it is necessary to discover and obtain the procedures for matching and combining data into files at each nationwide CRA. This information is closely guarded by CRA litigants, but has been produced in a sufficient number of cases that pleas of irreparable injury upon further production will not likely be justified. The basic system for matching data is the similar for each CRA.324 Credit information is reported from multiple sources—furnishers, vendors, subscriber inquiries, and even consumers.