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Question
Catalina buys a car on loan from Elko Automobiles. She pays the car loan over four years in monthly installments. Yet, her bank sends inaccurate information to Citizen Safe, a local credit reporting agency (CRA), claiming that the installments were not made on time. As a result, Catalina is denied a home loan by another bank. In the context of the Fair Credit Reporting Act, which of the following can be concluded from this scenario?
A. Catalina has no right to find out the information in her credit report.
B. If Catalina files a complaint against Citizen Safe, the agency will have up to 90 days to correct and remove the inaccurate information from Catalinas credit report.
C. Citizen Safe must change Catalinas credit report immediately upon her request.
D. If Catalina informs Citizen Safe about the inaccurate information, the agency must investigate her complaint and give her a written report.
Answer
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