Rep. Gerald D. Kleczka, D-Wis., had trouble getting a loan two years ago because of misinformation on a report maintained by a private credit bureau. Last Thursday night, during debate on a bill to strengthen the Fair Credit Reporting Act, he told other House members of his experience. The legislation was withdrawn because of disagreement over a provision that undercut states' rights to enact even tougher laws restricting credit bureaus. Here is an edited version of Rep. Kleczka's remarks:

I'd like to relate to the House a personal experience I had with a credit reporting agency. It occurred a couple of years ago when I wanted some reseeding done on my lawn and I contacted three firms to come forward and give me an estimate.

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