Tenth Circuit Adopts the “Objectively and Readily Verifiable” Standard for FCRA Furnisher Claims—and Makes It the Court’s Call

Short summary

The Tenth Circuit vacated a $500,000 FCRA verdict and joined four other circuits in requiring that reported information be "objectively and readily verifiable" as inaccurate to sustain a furnisher claim. The court held that subjective disputes like identity theft do not qualify, and that courts—not juries—must make the threshold legal determination on sufficiency. This decision reshapes litigation strategy for furnishers and consumer reporting agencies.

• •Tenth Circuit adopts "objectively and readily verifiable" standard for FCRA furnisher claims, joining 2nd, 4th, 5th, and 11th circuits
• •Subjective disputes like identity theft claims are not actionable inaccuracies under the FCRA
• •Courts must make threshold legal determinations on claim sufficiency, not juries

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