What type of reports do consumers have the right to dispute under the FCRA?

Consumers have the right to dispute any reports that contain inaccurate information under the Fair Credit Reporting Act (FCRA). This provision is designed to protect consumers by ensuring that the information used in credit decisions is accurate and fair. If a consumer identifies an error in their credit report—whether it's a mistake in their personal information, an incorrect account status, or any other type of inaccuracy—they can file a dispute with the credit reporting agency.

The focus of the FCRA is to promote accuracy and privacy in the information that credit reporting agencies collect and distribute. This means that regardless of when the report was generated or the nature of the information (new or old), consumers can challenge any inaccuracies that may negatively impact their creditworthiness.

The other choices do not accurately reflect the consumer rights established by the FCRA. For instance, the law does not limit disputes to reports with new information, nor does it restrict the right to dispute based on the age of the report or the consumer's knowledge at the time of generation. Therefore, B is clearly the correct choice as it aligns precisely with the intent and provisions of the FCRA.