Greta obtained an auto loan from Ridgeline Bank, but the bank did not give her a payment schedule and refused her attempts to make payments. In fact, Ridgeline told Greta that it had not given her a loan. When the bank discovered its mistake, it demanded full payment.

When payment was not forthcoming, Ridgeline declared Greta in default, repossessed her car, and forwarded adverse credit information about her to credit reporting agencies without noting that she disputed the information.

Did Ridgeline violate the Fair Credit Reporting Act? Yes. The Fair Credit Reporting Act protects consumers against ______________ credit reporting. Here, Ridgeline forwarded adverse credit information about Greta to credit reporting agencies without noting that she disputed the information.