Joining a number of other federal appeals courts around the country, the U.S. Court of Appeals for the Ninth Circuit ruled that a plaintiff attempting to sue a loan furnisher under the Fair Credit Reporting Act must first show that the information reported was inaccurate before then showing that the furnisher’s investigation into the dispute was unreasonable.

In doing so, the court revived an Arizona man’s suit against CitiMortgage that alleged the company violated the FCRA by reporting inaccurate data regarding his debt.

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