Two years into Australia's comprehensive credit reporting regime, the country's biggest consumer credit bureau operator, Veda, has reported that it has nine credit providers feeding comprehensive credit data into its bureau service.While nine sounds like a pretty poor outcome for the investment the company has made in CCR and the business it hopes to generate, Veda is looking on the bright side.Veda executive general manager credit risk and advisory services, Mike Cutter, said the data coming from the nine credit providers covered 8.1 million consumer credit accounts and represented about 24 per cent of the market.It is understood that among the big banks National Australia Bank is the only one supplying comprehensive data. Without the involvement of the other three CCR is in trouble.Cutter would not comment on individual credit providers but said another 31 were working on projects and would probably join the system at some point. He also pointed out that none of the other big banks had said "no" to participation in CCR."It is a very big capital investment," he said.So far most of the participating credit providers are supplying their data in "private mode", while they complete data projects and test their systems. That means they are the only ones who can get access to their CCR data.Cutter would not say how many had moved into "shared mode" but last week peer-to-peer lender RateSetter said it was one of only three credit providers sharing comprehensive data with other credit providers.While Veda might not be prepared to say so, rival credit bureau operator Experian has called the situation for what it is. In a submission to the Australian Competition and Consumer Commission last year Experian said it was disappointed with the take-up of comprehensive credit reporting in Australia.Experian said credit providers appeared to be reluctant to share additional customer information because they were afraid competitors would get an advantage.RateSetter and other small lenders are frustrated with the slow progress of CCR and are advocating government action, such as making participation in the system compulsory, to get things moving.Martin O'Connor, a global credit scoring expert with Veda's parent company Equifax, said it was not necessary to make the system mandatory because as soon as the advantages of having access to comprehensive data became clear other lenders would join in.But coping with a slow take-up is not the only problem Veda and its competitors, Dun & Bradstreet and Experian, have to contend with.Last year both the Credit & Investments Ombudsman and the Office of the Australian Information Commissioner reported big increases in the number of consumers making complaints about errors in their credit reports.As awareness of credit reporting has grown over the past two years more consumers have requested copies of their credit files and they have not been happy with what they have found. The CIO said complaints about incorrect credit filings now rank as the biggest issue it deals with, along with hardship cases.When the Government amended the Privacy Act to allow credit bureaus to collect and