Gross v. CitiMortgage
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. FCRA itself does not distinguish between legal and factual disputes. Importing this distinction would run counter to the text and purposes of FCRA, would be difficult to implement, and could encourage furnishers to evade their investigation obligation any time they could construe the relevant dispute as a “legal” one.