These are the companies that help other companies know if a customer is who they say they are and are creditworthy.
When a company reports a payment the data is updated fairly quickly, typically within days.
Correcting mistakes takes significantly longer. I have been subject to a fraudulent credit card application. One of the three credit agencies is dragging their feet on correcting the data. The promise is 2 months to resolve the issue. It is taking significantly longer than that.
Unless you are a paying customer of the agency they won’t even discuss problems with the data that they hold.
Developer Rants 