For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements in XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the City Marshall. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.