under the circumstances. Toliver argues that, in light of the nature of her disputes, it was unreasonable for Experian to rely exclusively on information that it received via ACDVs from LVNV. In addressing a claim under § 1681i(a), “‘[t]he decisive inquiry’ is whether the defendant credit bureau could have uncovered the inaccuracy ‘if it had reasonably reinvestigated the matter.’” DeAndrade v. Trans Union LLC, 523 F.3d 61, 68 (1st Cir.2008) (quoting Cushman v. Trans Union Corp., 115 F.3d 220, 226 (3d Cir.1997)). “In a reinvestigation of the accuracy of credit reports, a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers.” Stevenson v. TRW Inc., 987 F.2d 288, 293 (5th Cir.1993); see also Cushman, 115 F.3d at 225 (3d Cir.1997) (<HOLDING>). The Third and Seventh Circuits have held that
holding that where there is no evidence that during the period in which the credit reporting agency carried the inaccurate information that it provided plaintiffs credit report to any third party no rational trier of fact could infer that any potential creditor or other person in plaintiffs community learned of any helpful information from the defendant credit reporting agency holding in the context of a fcra violation that a jury could find that a consumers credit score was negatively influenced by the failure to list a debt as disputed because evidence was presented that when a credit reporting agency received notice of a dispute it records the dispute in the credit report and does not include the derogatory information in assessing the credit score recognizing statutory credit holding that the fcras provision that a lender may only use and obtain consumer credit information for the purpose of making a firm offer of credit requires that the lender offer something of value as an extension of credit alone holding that in order to fulfill its obligation under  1681ia a credit reporting agency may be required in certain circumstances to verify the accuracy of its initial source of information  quoting henson v csc credit servs 29 f3d 280 287 7th cir1994