Under the FCRA, consumer reporting agencies and furnishers must conduct reasonable investigations — not act as courts. Liability arises only when an alleged inaccuracy is objectively and readily verifiable through a reasonable reinvestigation. Courts consistently hold that CRAs and furnishers are not required to resolve complex legal disputes, interpret unsettled law, or adjudicate ownership or validity challenges. Their duty is limited to correcting clear factual errors, not deciding underlying legal obligations.

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