LOKEN, Circuit Judge.
After Chad Anderson's damaged credit rating caused him to lose favorable financing for a real estate purchase, he commenced this action in state court against a real estate adviser or broker, two credit reporting agencies (CRAs), and the furnisher of the adverse credit information, EMC Mortgage Company (EMC), which holds a second mortgage on Anderson's home. He alleged that EMC violated the Fair Credit Reporting Act (FCRA), 15 U.S.C. §&...
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