Under the Fair Credit Reporting Act, if the consumer Challenges the accuracy of the information contained in his or her report, the

reporting agency must

Respond to the consumer's complaint

Defend the report if the agency feels it is accurate,

Change the report

D

Send an actual certified copy of the entire report to the consumer

Respond to the consumer complaint.

Explanation:

Under the Fair Credit Reporting Act, the credit reporting agencies regulates the collection of consumers' credit information to address the fairness and accuracy of the personal information of the consumer contained in their files.

Under the Fair Credit Reporting Act, if the consumer Challenges the accuracy of the information contained in his or her report, the reporting agency must respond to the consumer complaint.