Arnecia Dynes v. Trw Credit Data

This appeal requires interpretation of a credit reporting agency’s duty of “reinvestigation” of disputed information under 15 U.S.C. § 1681i(a). This is a question of first impression in this Circuit.

This dispute centers around appellant’s inability to obtain credit from a national credit card company, or a major department store. There is no dispute over the material facts. Dynes requested and received a copy of her credit report from TRW after she had been denied credit. The report erroneously stated that the Bank of America had repossessed appellant’s auto, and had been unable to locate her. Dynes notified TRW of the inaccuracy in the report, and provided TRW with documentation showing the inaccuracy.

TRW responded to Dynes’ notification of disputed information by sending an account verification form to Bank of America. Bank of America reviewed its records and confirmed that the credit report was inaccurate. Bank of America also forwarded to TRW a report that their records showed a collection account pending against Dynes. This new report was also erroneous.

Dynes telephoned TRW and advised that the new report was also inaccurate upon receiving the new credit report listing…