The Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) filed an amici curiae brief urging the U.S. Court of Appeals for the Fourth Circuit to reverse a district court’s finding that furnishers need not investigate indirect disputes involving purely legal questions under the Fair Credit Reporting Act (FCRA). The move followed the court’s decision in Roberts v. Carter-Young, Inc., in which it granted the defendant collection agency’s motion to dismiss holding that the defendant was under no obligation to investigate the plaintiff’s dispute because it deemed the dispute legal in nature rather than factual.
