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The district court dismissed a complaint under the Fair Credit Reporting Act on the ground that the inaccurate information contained in the plaintiff’s credit report was a “legal” inaccuracy and not a “factual” one and therefore was not actionable.  The brief argues that the statutory language draws no such distinction, which would be impossible to apply in any event.  The brief also argues that the Act does not provide automatic immunity for credit report information that is supplied by a third party.