Under the Fair Credit Reporting Act, which of the following actions is an individual allowed to take?

Disputing inaccurate information is an action that individuals are explicitly allowed to take under the Fair Credit Reporting Act (FCRA). This law gives consumers the right to challenge any information in their credit report that they believe is erroneous or misleading. When a consumer disputes information, credit reporting agencies are required to investigate the claim and correct any inaccuracies found. This process is an essential component of consumer protection, ensuring that individuals can maintain accurate credit histories, which in turn affects their ability to obtain credit and favorable loan terms.

The other actions listed are not permissible under the FCRA. For instance, individuals cannot change their credit report without authorization, as this could lead to manipulation of credit scores. Selling a credit report is also prohibited, as it is a violation of privacy and security procedures. Additionally, consumers are entitled to request information from a wide array of lenders, not only specific ones. Thus, the ability to dispute inaccurate information stands out as a core consumer right established by the FCRA.