Credit bureau Experian Information Solutions did not violate federal law by failing to investigate information in a consumer’s credit report because the request to investigate came from a credit repair company and not the consumer, a federal appeals court ruled.
In a decision on Wednesday, a unanimous three-judge panel of the 9th U.S. Circuit Court of Appeals said the Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputed items only if notified directly by a consumer. In this case, the notification came from Go Clean Credit, a credit repair organization the consumer had hired, the panel said.
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