Summary:
In a pro se suit under the Fair Credit Reporting Act (FCRA), Johnson alleged that Experian failed to accurately update his credit report to reflect an accommodation provided by his creditor during the COVID-19 pandemic.
The court dismissed Johnson's claim under FCRA § 1681s-2, which applies to information furnishers, not credit reporting agencies like Experian. However, it allowed Johnson's claim under § 1681i, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Despite Experian’s objections, the court found that Johnson had sufficiently alleged that his credit report remained inaccurate, warranting further investigation. The case will proceed with the § 1681i claim.
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