Opinion ID: 77370
Heading Depth: 2
Heading Rank: 2

Heading: Equifax Satisfied the Consumer Report Requirement of Section 1681i(a)(6)(B)(ii).

Text: 35 Because we conclude that the Act does not require disclosure of the complete consumer file following a reinvestigation, we turn to whether Equifax satisfied its obligation to send the Nunnallys and Rhodes a consumer report. Section 1681i(a)(6)(A) requires the consumer reporting agency to provide written notice of the results of the reinvestigation, and subsection (a)(6)(B) requires that, as part of, or in addition to, that notice, the credit reporting agency must provide, among other things, a consumer report based on the revised file. That consumer report must be something more than the notice of the results of the investigation, otherwise subparagraph (B) would be redundant. See TRW, Inc., 534 U.S. at 31, 122 S.Ct. at 449. The question before us is whether, based on the facts alleged in the complaint of the Nunnallys and Rhodes, Equifax satisfied its obligation to provide the report described in subparagraph (B). 36 Equifax satisfied its obligation. The term consumer report has the same meaning in section 1681i(a)(6)(B)(ii) that it has in section 1681a(d), which is,  any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living . . . . See 15 U.S.C. § 1681a(d)(1) (emphasis added). Equifax satisfied the notice requirement when it informed the Nunnallys and Rhodes that it had reinvestigated their complaints and determined that their complaints were valid, and Equifax satisfied the consumer report requirement when it informed the Nunnallys and Rhodes of the changes it had made to their respective files as a result of the reinvestigation. Equifax did not violate the Act.