>What amazes me is that if you have incorrect information on your credit report, you have to prove it is incorrect.

I did say it's an imperfect system, didn't I? <g>

>They have to investigate your complaint, but somehow it seems that it would have to be proven correct in order to be posted, not vice versa.

There is a protection in place. Once you notify the credit agencies of something that you dispute, the debtor must properly substantiate their charge within 30 days or the charge must be removed from your credit report.

The kicker is that you must notice that it has happened. You have to pay attention.

Identity theft is another matter entirely. I've heard it can take 600 man-hours to clear up identity theft. It's just bad mojo.

Slum landlords and corrupt public utilities are bad enough to deal with. I can't imagine dealing with identity theft.

Dan