“The Federal Trade Commission has issued a report (120 pages, PDF) to Congress containing studies on credit report accuracy and completeness required by the Fair and Accurate Credit Transactions Act of 2003 (FACTA). FACTA, which was enacted in December 2003 and amends the Fair Credit Reporting Act (FCRA), required the FTC to conduct an ongoing study of the accuracy and completeness of consumer credit reports and to report on four specific topics related to credit report accuracy.”
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