FCRA 607(b) (Maximum Possible Accuracy)
FCRA Section 607(b) (15 U.S.C. 1681e) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report.
Why it matters in credit repair
607(b) is the legal basis for cross-bureau inconsistency disputes. When one account reports different data across bureaus, the discrepancy may indicate the agency's procedures were not reasonable as to that item.
How it appears on a credit report
607(b) is a legal standard, not a report field; it is evidenced by the accuracy or inaccuracy of the reported data.
Example
An account reporting three different balances across Experian, Equifax, and TransUnion is documented as evidence the maximum-possible-accuracy standard may not have been met.
Common misunderstanding
Consumers sometimes expect 607(b) to demand perfection. It is a reasonable-procedures standard weighed by materiality.
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