If a consumer claims that his or her credit file contains inaccurate information,the concerned credit reporting agency (CRA) merely has to verify that it took the information accurately from the original source and has no duty to investigate further.

Question

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If a consumer claims that his or her credit file contains inaccurate information,the credit reporting agency must investigate the complaint and give the consumer a written report.If the consumer remains unsatisfied,he or she can include a brief statement in the credit file.

If a Consumer Claims That His or Her Credit File