Given the fact that one could tell from the very beginning that the Mathematica study was badly
designed, one wonders why the U. S. Department of Education trotted down a track bound to provide
misleading information.
They use the Fair Credit Reporting Act (FCRA) which is a federal law
designed to protect you from being «slandered» by creditors, collectors, and credit reporting agencies themselves from having outdated, erroneous,
misleading, or inaccurate
information on your credit report.