Under the FCRA, a furnisher of credit information must make a reasonable investigation if the consumer about whom it furnishes information to a credit reporting bureau properly protests the inaccuracy of the furnisher’s information.  Furnishers, unlike credit reporting agencies, may be required to investigate the legal as well as factual bases of the information it furnishes.  Here, CitiMortgage continued to report information about plaintiff’s second mortgage after the foreclosure of his first mortgage eliminated his personal liability for the second mortgage debt under applicable Arizona law.  Whether CitiMortgage’s investigation was reasonable in light of that clear legal rule was an issue for the jury to decide; hence, summary judgment for CitiMortgage is reversed.  Also for the jiury’s decision is whether CitiMortgage’s reporting false information caused plaintiff any harm.