Question 1. Whether CRAs like TransUnion and Equifax can satisfy
the requirement of §1681i(a) of the FCRA that they "conduct a
reasonable investigation " of the disputes consumers raise regarding
the accuracy of information in their credit files by merely asking
furnishers to verify the information provided and then re-parroting
the furnisher 's response back to the consumer, effectively wiping out
any independent investigation by the CRAs.

Question 2. Whether CRAs like TransUnion and Equifax can extort
consumers into dropping their FCRA suits by making the consumer 's
credit file inaccessible to creditors and to the consumer - making the
consumer disappear to creditors - unless the consumer agrees to
drop their lawsuit.

Question 3. Whether the district and appellate courts can hold the
claims of pro se parties to different standards than represented
parties, requiring lesser types of proof from represented parties and
letting licensed attorneys engage in conduct courts would not allow
against represented parties. I'm an upstate New York housewife with
some college, no degree, and no legal training whatsoever. I did not
have the money to hire an attorney full time, so I took this case on
pro se, seeking help where I could. The District Court seemed to
hold my pro se status against me and let the defendants act abusively.
The Second Circuit seemed to be suspicious of my pro se status
because I did get legal help and my briefs were of a decent quality.
Because of this, both courts discriminated against me and denied me
the same rights and protections and did not apply the same rules and
legal standards to me that they normally afford to represented
parties. Both the lower court and the Second Circuit departed from
the accepted and usual course of judicial proceedings and denied me
the same rights and protections which they grant to represented
parties because I am pro se, and this Honorable Court needs to step
in and exercise its supervisory power to correct this injustice and
reestablish that pro se parties are entitled to have

Whether CRAs can satisfy the FCRA's reasonable investigation requirement by merely verifying information with furnishers