15 U.S. Code § 1681e(b) reads "Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates."
I know that courts move slowly and judges are often depressingly technological illiterate, but I have absolute confidence that I could put together an incredibly convincing panel of experts who would define "reasonable procedures" in a way that would run wholly afoul of the SOP of the major credit reporting agencies.
So don't let me stop you? In general courts are going to have their own standards for such things that differ from your plain language reading, and a stack of paperwork from the surveillance companies' auditors will suffice to meet it. But by all means, go for it!
By my quick non-attorney reading I think you'll be arguing under 1681o, and still stuck showing actual financial damages for having been denied a loan or whatever. Point being they've legislated themselves out of the straightforward tort of libel by 1681h (e).
I know that courts move slowly and judges are often depressingly technological illiterate, but I have absolute confidence that I could put together an incredibly convincing panel of experts who would define "reasonable procedures" in a way that would run wholly afoul of the SOP of the major credit reporting agencies.