I've always thought this information broker system is f'ed up. I've been denied loans before because of some dumb mistake on their part. Some loan/credit card that was mistakenly put in my history and my only recourse was to complain to Equifax, wait till they take it off my credit (which screwed my score without reversal) then try to apply again which can take months. It's a huge scam and these fu@ks are getting rich over it.
Virgin ears beware: A few naughty words in here but John Oliver is English so it sounds a little more formal.