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This is the fifth interim report by the Federal Trade Commission (FTC) on a national study of credit report accuracy. It was prepared pursuant to Section 319 of the Fair and Accurate Credit Transactions Act (FACT Act).
This study of credit report accuracy was the first national study designed to engage all the primary groups that participate in the credit reporting and scoring process: consumers, lenders/data furnishers, the Fair Isaac Corporation (FICO), and the national credit reporting agencies (CRAs).