Plaintiff had no choice but to include her credit reports with the scores in order to show that ConsumerInfo.com is a CRA as defined by the FCRA, producing incorrect and incomplete credit reports and selling fraudulent credit scores. Unfortunately, plaintiff’s 17 accounts resulted in a 15 page CreditExpert report and a 26 page myFICO Experian report. That in itself is proof that something is wrong with credit reporting.
It is not plaintiff’s intent to have every page reviewed and analyzed at this time, but merely to show the complexity of credit reporting and scoring. However, the Court and anyone reviewing these exhibits should be aware that a CONSUMER does have to review all these reports and score explanations, each account, number and notation, not only on their various Experian reports, but also for Trans Union and Equifax.