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Arora v. Trans Union, LLC.

The Fair Credit Reporting Act provides that a consumer reporting agency (CRA) “shall” upon a consumer’s request “disclose to the consumer [a]ll information in the consumer’s file,” including the “sources of [such] information,” and that when preparing a consumer report, a CRA “shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.” The CFPB filed an amicus briefing arguing these provisions apply to a consumer’s personal identifying information included in a consumer report (also known as credit header information). Accordingly, the brief argues that the district court erred when it held that such information is by definition exempt from these FCRA requirements.

Full brief

Arora v. Trans Union, LLC .