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Try CasePortal for FreeJ. Merriam finds that the district court improperly established a new standard for fair credit reporting claims by holding that a threshold inquiry should occur on the nature of an alleged inaccuracy. It matter not whether a purported balloon payment reported by one credit agency on a borrower's auto loan constituted a "legal" or "factual" dispute, the former of which is not cognizable, but whether the information was verifiably accurate.
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