The Eighth Circuit ruled that a consumer reporting agency (CRA) did not violate the Fair Credit Reporting Act when it
relied on information from an official court website. The court held that using authoritative public records satisfies the
FCRA’s “maximum possible accuracy” requirement, even if later updates reveal discrepancies. The decision reinforces
that CRAs may reasonably depend on official sources without independently verifying every record’s completeness or
timeliness.

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