I am extremely perturbed with the letter by Ctos in reply to a stand taken by a government minister. I can't help but notice that maybe Ctos will not dare say this sort of things to an Umno minister.

I have had to deal with outdated information contained in Ctos' database as they extract information from various public sources, and clueless banks and financial services rely on them without asking customers to explain.

Some banks do generally ask for explanation from customers but all law suits which are subsequently discontinued are recorded and seldom updated. I even wrote to them many times before the details of the company I was working was updated.

There should be a mechanism for affected customers to obtain report on themselves from Ctos at minimum cost - in United Kingdom, it's only one sterling pound - and allow citizens, say, 14 days to provide updated information and Ctos is duty bound by law to amend wrong records. Only then will the system work properly.

Just because Kayveas firm previously used Ctos does not prohibit him from criticising Ctos - that's like saying if you have eaten in an restaurant you can't criticise it.

It's amazing how Ctos is threatening legal actions when time and again they have been known to have kept and provided outdated information. I am quite happy to see the prime minister urging Bank Negara to set up such a credit bureau and the deputy prime minister critisising Ctos for providing outdated data and prominent lawyer Zaid Ibrahim calling for such credit rating agencies to be regulated.

I am glad Kayveas has kicked up such a stink for the small man. I do hope Ctos sues the minister concerned and the government fights hard against the suit.