Have you looked at your credit reports lately? If you haven’t, you might be in for a surprise.  Credit reports are notoriously prone to errors, but in the past few years the errors seem to be more ubiquitous and harder to fix. According to records from the Federal Trade Commission, the total number of consumer complaints regarding credit- report issues jumped more than fourfold between 2019 and 2023, from 165,000 to 711,802. Yet that figure represents just a fraction of the problems people had with their credit reports. Research from the Consumer Financial Protection Bureau indicates that the nationwide consumer credit-reporting companies — Equifax, Experian and TransUnion — receive millions of disputes annually regarding the completeness or accuracy of information on credit reports.