In this published decision, the Fourth Circuit reversed the district court’s refusal to compel arbitration in a Fair Credit Reporting Act (FCRA) case brought by a Chapter 13 debtor against Experian. The debtor, after receiving a bankruptcy discharge, discovered that Experian continued to report discharged debts as delinquent, allegedly contributing to credit denials. After repeated disputes failed to correct the inaccuracies, the debtor sued under 15 U.S.C. §§ 1681e(b) and 1681i(a).