In a claim under 15 USC 168e(b) for willful violation of the FCRA, what must a plaintiff prove?

To establish a claim under 15 USC 168e(b) for willful violation of the Fair Credit Reporting Act (FCRA), a plaintiff must demonstrate a few critical components. Specifically, the plaintiff needs to prove that the consumer report was inaccurate (which underscores the importance of accuracy in consumer reporting) as well as establish that the credit reporting agency (CRA) failed to follow reasonable procedures in preparing that report.

The requirement for proving both inaccuracies in the report and a failure by the CRA to follow reasonable procedures reflects the dual obligations that CRAs have under the FCRA. It underscores the law's intent to hold CRAs accountable not only for the information they disseminate but also for the methods they use to ensure that information is accurate and reliable. This combination of criteria helps ensure consumers are protected from the harmful effects of erroneous or misleading credit information.

Thus, the correct choice is that a plaintiff must prove both the inaccuracy of the report and the CRA's failure to follow reasonable procedures, which aligns with the overall goals of the FCRA to promote fair and accurate credit reporting practices.