The Credit Reporting Agencies (Experian, Equifax, and TransUnion) are privately owned businesses which are not dependant on each other for the data which they store or delete. If one or two credit reporting agencies adds or deletes an item to their report, it does not mean that the third is required to do so.

A report of Fraud or Identity Theft is among the only times the Credit Bureaus are required to cooperate and notify the other.

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