Thomas Pinner worked at a Sherwin-Williams paint store that was managed by James Schmidt.

Pinner and Schmidt had a falling out when, according to Pinner, “a relationship began to bloom between Pinner and one of the young female employees, the one Schmidt was obsessed with.” Pinner quit. Schmidt claimed that Pinner owed the company $121.71 for paint he had taken but not paid for. Sherwin-

Williams reported this information to Chilton, who ran a credit reporting agency. Pinner’s attorney sent a letter to Chilton notifying him that Pinner disputed the accuracy of the Sherwin-Williams charges. Chilton contacted Schmidt, who confirmed that Pinner’s account remained delinquent. Chilton failed to note in Pinner’s file that a dispute was pending.

Thereafter, Pinner was denied credit cards at two stores. Have Schmidt and Chilton violated the Fair Credit Reporting Act?