Q.  I have been denied credit based on erroneous information gathered by "Clarity Services" in Florida and "Lexis Nexis Risk Solutions Bureau LLC, Riskview Consumer Inquiry Department," in Atlanta, GA.  I want to see their documentation regarding my alleged repossession, garnishments, and judgments they claim I had.

A.  The above-referenced entities are private companies and thus are not subject to freedom of information laws.  If you wish to dispute your credit report, you might consider the following guidance from the Federal Trade Commission.