YOU'VE FOUND the car of your dreams. You have a good job and enough money for a down payment. All you need is an auto loan for $14000. You have a few credit card bills, which you diligently pay off each month. But when you ask why, you're told you have an overdue loan from a bank you've never heard of. You've just become one of the millions of people who have been victimized by inaccurate or outdated data in credit bureaus' information systems.