United States Court of Appeals For the Seventh Circuit ____________________ No. 22-2570 TAMARA S. FRAZIER, Plaintiff-Appellant, v. DOVENMUEHLE MORTGAGE, INC., Defendant-Appellee. ____________________

Appeal from the United States District Court for the Northern District of Illinois, Eastern Division. No. 1:20-cv-06721 — Gary Feinerman, Judge. ____________________

ARGUED APRIL 19, 2023 — DECIDED JULY 5, 2023 ____________________

Before HAMILTON, BRENNAN, and KIRSCH, Circuit Judges. BRENNAN, Circuit Judge. Tamara Frazier sued credit data furnisher Dovenmuehle Mortgage, Inc. under 15 U.S.C. § 1681s-2(b) of the Fair Credit Reporting Act for allegedly providing inaccurate information after unreasonably investi- gating a dispute of its data. To prevail on this claim, Frazier must make a threshold showing that Dovenmuehle’s data was incomplete or inaccurate. That requirement can be 2