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GROSS v. CITIMORTGAGE, INC.

No. 20-17160.

33 F.4th 1246 (2022)

Marshall GROSS, Plaintiff-Appellant, v. CITIMORTGAGE, INC., Defendant-Appellee, and Citibank, NA; Equifax Information Services LLC; Experian Information Solutions, Inc.; Trans Union LLC, Defendants.

United States Court of Appeals, Ninth Circuit.

Filed May 16, 2022.

Attorney(s) appearing for the Case

David A. Chami (argued), Price Law Group APC, Scottsdale, Arizona; for Plaintiff-Appellant.

K. Lee Marshall (argued), Bryan Cave Leighton Paisner LLP, San Francisco, California; Sean K. McElenney and Gregory B. Iannelli , Bryan Cave Leighton Paisner LLP, Phoenix, Arizona; for Defendant-Appellee.

Karen S. Bloom (argued), Senior Counsel; Steven Y. Bressler , Assistant General Counsel; John R. Coleman , Deputy General Counsel; Mary McLeod , General Counsel; Consumer Financial Protection Bureau, Washington, D.C.; for Amicus Curiae Consumer Financial Protection Bureau.

Before: Sidney R. Thomas and M. Margaret McKeown, Circuit Judges, and Donald W. Molloy, District Judge.

OPINION

Our nation's credit reporting system relies on accurate reporting both by credit reporting agencies and by the entities that provide information to those agencies about consumers' debts ("furnishers"). When a consumer disputes an entry on his credit report, the furnisher must conduct a reasonable investigation...

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