Filed briefs

The Bureau and the Federal Trade Commission filed an amicus brief explaining the scope of a furnisher’s duties under the Fair Credit Reporting Act (FCRA) to respond to disputes from a consumer.

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit, in two related cases, arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.

The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Second Circuit arguing that (1) the Fair Credit Reporting Act (FCRA) requires credit reporting agencies to follow reasonable procedures to ensure that consumer reports are both legally and factually accurate, (2) a credit reporting agency’s reliance on information provided by a furnisher does not absolve it of potential liability under this provision of the FCRA.

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that (1) the Fair Credit Reporting Act requires furnishers to conduct reasonable investigations of both legal and factual questions posted in consumer disputes, and (2) each time a furnisher fails to reasonably investigate a dispute results in a new statutory violation, with its own statute of limitations.

The Bureau, the Federal Trade Commission, and the North Carolina Department of Justice jointly filed an amicus brief with the U.S. Court of Appeals for the Fourth Circuit arguing that Section 230 of the Communications Decency Act does not bar a private plaintiff's claims under the Fair Credit Reporting Act.

The Bureau filed an amicus brief arguing that the Fair Credit Reporting Act does not exempt “legal disputes” from its requirement that furnishers of information to consumer reporting agencies must reasonably investigate disputes about information they furnished.

The government filed a brief with the Supreme Court in TransUnion v. Ramirez, arguing that a plaintiff class had Article III standing to sue under the Fair Credit Reporting Act where the defendant produced consumer reports that erroneously designated the class members as individuals who are legally barred from transacting business in the United States.

The Bureau filed an amicus brief in support of the plaintiff’s Article III standing.

The Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the consumer...

This case presents the question of how long, under the Fair Credit Reporting Act, a consumer reporting agency can report certain negative information about...