The Ninth Circuit ruled in May that an end-users misuse of reported information does not render a credit reporting agencys report inaccurate for purposes of liability under the Fair Credit Reporting Act (FCRA). The court affirmed the district courts grant of summary judgment in the putative class action case brought against a national credit reporting agency (CRA). Centered on the CRAs reporting of short sale sand foreclosures, plaintiffs John Shaw, Kenneth Coke and Raymond Rydman brought the putative class action against the CRA, alleging it violated the FCRA in failing to follow reasonable procedures to ensure maximum accuracy, in failing to conduct a reasonable investigation and in failing to fully disclose their files.

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