Thomas worked at a Sherwin-Williams paint store that James managed. Thomas and James had a falling out when, according to Thomas, "a relationship began to bloom between Thomas and one of the young female employees, the one James was obsessed with." After Thomas quit, James claimed that Thomas owed the store $121. Sherwin-Williams reported this information to the Chilton credit reporting agency. Thomas sent a letter to Chilton disputing the accuracy of the Sherwin-Williams charges. Chilton contacted James who confirmed that Thomas still owed the money. Chilton failed to note in Thomas's file that a dispute was pending. Thereafter, two of Thomas's requests for credit cards were denied. Have James and Chilton violated the Fair Credit Reporting Act?