Opinion for the Court filed by Circuit Judge RUTH BADER GINSBURG.
RUTH BADER GINSBURG, Circuit Judge:
This case arises under the civil remedies prescriptions of the Privacy Act, 5 U.S.C. § 552a(g). The appeal requires this court to construe the Act’s prescriptions authorizing court-ordered correction when an agency refuses to amend an individual’s record, id. § 552a(g)(l)(A), and thereby fails to maintain [the] record ... with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness ... to the individual.” Id. §§ 552a(g)(l)(C) & (g)(2)(A). The controversy centers on a State Department report of investigation (ROI) concerning a March 26, 1981 unwitnessed interview; the interviewee was plaintiff-appellant Jane Doe,1 then an applicant for a position in the foreign service; the interviewer was Department Special Agent Billy N. Hughes. (Í
The ROI in question contains the agent’s and Doe’s sharply conflicting accounts of what Doe said at the interview; it reports that “[t]here is no reason to doubt the statements made by [the] [a]gent,” 2 but it does not announce which account — Doe’s or the agent’s — the Department believes. The precise issue before us is whether the ROI so maintained satisfies the Privacy Act standard, directed initially to the agency, then to the reviewing court, that all records concerning individuals be maintained with “such accuracy ... and completeness as is necessary to assure fairness ... to the individual.” Id. § 552(g)(1)(C) (court remedy); see id. § 552a(e)(5) (agency requirement).
Doe sought primarily an order requiring not correction of the March 1981 ROI, but its physical removal from her files; she also requested damages.3 The district [696]*696court, on cross motions for summary judgment, denied Doe’s motion and granted the government’s. Doe v. United States, Civil Action No. 83-951 (D.D.C. July 6, 1984). In the circumstances presented, the district court concluded, the Privacy Act did not require the judge “actually to determine what was said during the March 26, 1981 interview”; instead, it sufficed for the court to determine whether the ROI, as the Department maintained it, was as “accurate as is reasonably necessary.” Doe, supra, slip op. at 10, 11.
The district court ultimately ruled that, except for specific, relatively minor amendments, which it ordered to clarify the March 1981 ROI,4 that report, as maintained by the State Department, was as “accurate” as was “necessary to assure fairness” to Doe. We hold that the district court correctly defined the responsibility Congress assigned to the recordkeeping agency and to the reviewing court in the Privacy Act, and we affirm the district court’s judgment.
I.
In the fall of 1980, plaintiff Jane Doe applied to the State Department for a position in the foreign service. The Department pursued the background investigation routine for such applications. As part of the investigation, on January 23, 1981, Doe was interviewed by Department Special Agent, Billy N. Hughes. Notable discrepancies appeared when the Department checked Doe’s application and her responses at the January 23 interview against her military and Veterans Administration (VA) records. In particular, Doe had answered “no” on State’s application form to an inquiry whether she had “ever had medical treatment for a mental condition.” Her military and VA records revealed, however, that she was receiving a disability pension from the United States predicated in significant part on a mental condition.
To obtain Doe’s explanation for this and other apparent inconsistencies between her current representations and her prior records, the Department instructed its agent Hughes to reinterview Doe. Hughes did so on March 26, 1981. According to Hughes, Doe explained at this second interview that she in fact suffered from no mental condition, but had dishonestly claimed to have a depressive condition in order to obtain disability pay, with its tax advantage over straight retirement pay; Hughes further reported that Doe expressed regret about what she had done. Doe denies ever having made the incriminating statements agent Hughes attributed to her.
Doe did not pursue her foreign service officer application, for she obtained a high level position in another agency. When she encountered a problem gaining a security clearance at that other agency, she obtained from State, in response to her Privacy Act request, portions of the March 1981 ROI, and began the process of seeking to have the report expunged.
Doe submitted long affidavits and legal memoranda explaining, inter alia, that her original depressive symptoms, as later diagnosis revealed, had in fact been hormonally caused and were now corrected by medication. Following the correction of her diagnosis, however, she continued to accept disability retirement benefits based in part (30%) on a “nervous condition.” See Joint Appendix (J.A.) at 51. Doe’s counsel observed that Doe had “sent the VA a physician’s report on April 30, 1982, which stated ... that she was no longer suffering from depression”; counsel further asserted that “[it] was the VA’s, not [Doe’s] responsibility to review [her] disability benefits based on current medical [697]*697information.” Appellant’s Reply Brief at n. 3.
The State Department analyzed Doe’s submissions in detail. State contacted agent Hughes and obtained his specific responses to Doe’s allegations that he had misrepresented what she had said;5 State also checked or rechecked Doe’s VA file and educational records. The Department ultimately ordered (1) that the ROI in question be amended in small particulars, and (2) that Doe’s account of “what she said or did not say” at the March 26, 1981 interview “be made part of the record without affirming or denying her allegations.”6 The Department further stated: “The record should also indicate that there is no reason to question the integrity of Agent Hughes.”7 Doe commenced this action when State refused to expunge or further amend the March 1981 ROI.8
II.
The Privacy Act speaks first and foremost to agencies. It directs them, inter alia, to
maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination!;.]
5 U.S.C. § 552a(e)(5); see also id. § 552a(e)(6) (agency shall “make reasonable efforts to assure” that records it disseminates to persons other than an agency “are accurate, complete, timely, and relevant for agency purposes”) (emphasis supplied). The Act also details the rights of individuals to gain access to records pertaining to them, id. § 552a(d), and to request agency correction of “any portion [of a record] which the individual believes is not accurate, relevant, timely, or complete.” Id. § 552a(d)(2)(B)(i). Finally, the Act speaks to the courts.
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Opinion for the Court filed by Circuit Judge RUTH BADER GINSBURG.
RUTH BADER GINSBURG, Circuit Judge:
This case arises under the civil remedies prescriptions of the Privacy Act, 5 U.S.C. § 552a(g). The appeal requires this court to construe the Act’s prescriptions authorizing court-ordered correction when an agency refuses to amend an individual’s record, id. § 552a(g)(l)(A), and thereby fails to maintain [the] record ... with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness ... to the individual.” Id. §§ 552a(g)(l)(C) & (g)(2)(A). The controversy centers on a State Department report of investigation (ROI) concerning a March 26, 1981 unwitnessed interview; the interviewee was plaintiff-appellant Jane Doe,1 then an applicant for a position in the foreign service; the interviewer was Department Special Agent Billy N. Hughes. (Í
The ROI in question contains the agent’s and Doe’s sharply conflicting accounts of what Doe said at the interview; it reports that “[t]here is no reason to doubt the statements made by [the] [a]gent,” 2 but it does not announce which account — Doe’s or the agent’s — the Department believes. The precise issue before us is whether the ROI so maintained satisfies the Privacy Act standard, directed initially to the agency, then to the reviewing court, that all records concerning individuals be maintained with “such accuracy ... and completeness as is necessary to assure fairness ... to the individual.” Id. § 552(g)(1)(C) (court remedy); see id. § 552a(e)(5) (agency requirement).
Doe sought primarily an order requiring not correction of the March 1981 ROI, but its physical removal from her files; she also requested damages.3 The district [696]*696court, on cross motions for summary judgment, denied Doe’s motion and granted the government’s. Doe v. United States, Civil Action No. 83-951 (D.D.C. July 6, 1984). In the circumstances presented, the district court concluded, the Privacy Act did not require the judge “actually to determine what was said during the March 26, 1981 interview”; instead, it sufficed for the court to determine whether the ROI, as the Department maintained it, was as “accurate as is reasonably necessary.” Doe, supra, slip op. at 10, 11.
The district court ultimately ruled that, except for specific, relatively minor amendments, which it ordered to clarify the March 1981 ROI,4 that report, as maintained by the State Department, was as “accurate” as was “necessary to assure fairness” to Doe. We hold that the district court correctly defined the responsibility Congress assigned to the recordkeeping agency and to the reviewing court in the Privacy Act, and we affirm the district court’s judgment.
I.
In the fall of 1980, plaintiff Jane Doe applied to the State Department for a position in the foreign service. The Department pursued the background investigation routine for such applications. As part of the investigation, on January 23, 1981, Doe was interviewed by Department Special Agent, Billy N. Hughes. Notable discrepancies appeared when the Department checked Doe’s application and her responses at the January 23 interview against her military and Veterans Administration (VA) records. In particular, Doe had answered “no” on State’s application form to an inquiry whether she had “ever had medical treatment for a mental condition.” Her military and VA records revealed, however, that she was receiving a disability pension from the United States predicated in significant part on a mental condition.
To obtain Doe’s explanation for this and other apparent inconsistencies between her current representations and her prior records, the Department instructed its agent Hughes to reinterview Doe. Hughes did so on March 26, 1981. According to Hughes, Doe explained at this second interview that she in fact suffered from no mental condition, but had dishonestly claimed to have a depressive condition in order to obtain disability pay, with its tax advantage over straight retirement pay; Hughes further reported that Doe expressed regret about what she had done. Doe denies ever having made the incriminating statements agent Hughes attributed to her.
Doe did not pursue her foreign service officer application, for she obtained a high level position in another agency. When she encountered a problem gaining a security clearance at that other agency, she obtained from State, in response to her Privacy Act request, portions of the March 1981 ROI, and began the process of seeking to have the report expunged.
Doe submitted long affidavits and legal memoranda explaining, inter alia, that her original depressive symptoms, as later diagnosis revealed, had in fact been hormonally caused and were now corrected by medication. Following the correction of her diagnosis, however, she continued to accept disability retirement benefits based in part (30%) on a “nervous condition.” See Joint Appendix (J.A.) at 51. Doe’s counsel observed that Doe had “sent the VA a physician’s report on April 30, 1982, which stated ... that she was no longer suffering from depression”; counsel further asserted that “[it] was the VA’s, not [Doe’s] responsibility to review [her] disability benefits based on current medical [697]*697information.” Appellant’s Reply Brief at n. 3.
The State Department analyzed Doe’s submissions in detail. State contacted agent Hughes and obtained his specific responses to Doe’s allegations that he had misrepresented what she had said;5 State also checked or rechecked Doe’s VA file and educational records. The Department ultimately ordered (1) that the ROI in question be amended in small particulars, and (2) that Doe’s account of “what she said or did not say” at the March 26, 1981 interview “be made part of the record without affirming or denying her allegations.”6 The Department further stated: “The record should also indicate that there is no reason to question the integrity of Agent Hughes.”7 Doe commenced this action when State refused to expunge or further amend the March 1981 ROI.8
II.
The Privacy Act speaks first and foremost to agencies. It directs them, inter alia, to
maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination!;.]
5 U.S.C. § 552a(e)(5); see also id. § 552a(e)(6) (agency shall “make reasonable efforts to assure” that records it disseminates to persons other than an agency “are accurate, complete, timely, and relevant for agency purposes”) (emphasis supplied). The Act also details the rights of individuals to gain access to records pertaining to them, id. § 552a(d), and to request agency correction of “any portion [of a record] which the individual believes is not accurate, relevant, timely, or complete.” Id. § 552a(d)(2)(B)(i). Finally, the Act speaks to the courts. An individual may bring a civil action in federal district court challenging an agency’s determination not to amend the individual’s record. Id. § 552(g). “In such a case the court shall determine the matter de novo.” Id. § 552a(g)(2)(A).
To pare this controversy down to its core, we address first the question whether the term “de novo” in the above quoted sentence means something less than what that expression generally signals. We hold that the term has no different, diminished meaning in the context at hand. De novo means here, as it ordinarily does, a fresh, [698]*698independent determination of “the matter” at stake; the court’s inquiry is not limited to or constricted by the administrative record, nor is any deference due the agency’s conclusion. See, e.g., Augustine v. McDonald, 770 F.2d 1442, 1444 (9th Cir. 1985) (appeals court reviews grant of summary judgment de novo, which means it “appl[ies] the same test as did the district court”); Clayton v. Republic Airlines, Inc., 716 F.2d 729, 730 (9th Cir.1983) (appeals court reviews “de novo orders dismissing for lack of subject matter jurisdiction”); Weahkee v. Perry, 587 F.2d 1256, 1263 (D.C.Cir.1978); 5 B. Mezines, J. Stein, & J. Gruff, Administrative Law § 51.04 (rev. ed. 1985) (court engaged in de novo review is not confined to the administrative record, but may pursue whatever further inquiry it finds necessary or proper to the exercise of court’s independent judgment).9
Essentially then, the district court’s charge was to put itself in the agency’s place, to make anew the same judgment earlier made by the agency: Were the amendments Doe requested needed to maintain the record of the March 26, 1981 interview “with such accuracy ... and completeness as is [reasonably] necessary to assure fairness” to Doe? 5 U.S.C. § 552a(g)(l)(C).10 The district judge correctly understood that charge.11 He observed that Privacy Act “procedural rights” were not “a dispositive issue.” See Doe, supra, slip op. at 9. Rather, the district judge stated, the “proper issue,” the one requiring his de novo determination, concerned the “accuracy” of the March 1981 ROI for agency purposes. Id. at 9-10; see 5 U.S.C. § 552a(e)(6), supra at 697-98. The judge then proceeded to determine, positively and without words of obeisance typical of review under the “arbitrary and capricious” or “substantial evidence” standard:12 “We conclude that here accuracy is best served by supplementing the Agent’s Report with the plain[699]*699tiff’s denials and other information.” See Doe, supra, slip op. at 11.
In sum, the district judge made the same judgment earlier entrusted to the agency head, and he apparently did so for himself, i.e., on the basis of information he found sufficient to make the judgment, and without deferring to the prior agency conclusion on the same matter. Having clarified that how the court is to determine the matter is not in doubt — the determination is to be made de novo — we turn to the critical question in this case: Just what is “the matter” to be determined?
III.
The parties delineate “the matter” at stake differently. According to Doe, “the matter” to be determined is this: Which version of the March 26, 1981 interview — Doe’s or the agent’s — does the State Department, and subsequently and independently, the court, choose to believe? Absent that credibility determination, Doe contends, impermissible inaccuracy infects the record. According to the government and the district court, “the matter” to be determined is not what Doe in fact said at the interview. Instead, the dispositive “matter” is whether the March 1981 ROI, as currently composed, meets the Privacy Act’s instruction that all records concerning individuals be maintained “with such accuracy ... and completeness as is necessary to assure fairness ... to the individual.” 5 U.S.C. § 552a(g)(l)(C). We hold, in agreement with the district court and the Department, (1) that the Privacy Act establishes as the recordkeeper’s polestar, “fairness” to the individual about whom information is gathered, and (2) that the “fairness” criterion does not demand a credibility determination in the atypical circumstances of this case.13
In the typical Privacy Act case, as the district court observed, it is feasible, necessary, and proper, for the agency and, in turn, the district court to determine whether each filed item of information is accurate. See Doe, supra, slip op. at 10, 11. The Act was designed to create “a code of fair information practices” to govern “federal agencies that collect, store, and disseminate personal information about [individuals].” Smiertke v. United States Department of Treasury, 447 F.Supp. 221, 224 (D.D.C.1978), remanded on other grounds, 604 F.2d 698 (D.C.Cir.1979). An agency, we think it plain, dishonors the Privacy Act standard of “accuracy ... necessary to assure fairness” if it collects and keeps without careful investigation derogatory information from unreliable sources or of a kind that could be run to earth with a reasonable degree of certainty. An agency will not have “done what is reasonable in assuring the accuracy of [its] information,” Edison v. Department of the Army, 672 F.2d 840, 843 (11th Cir.1982), if it squirrels away, deliberately or out of bureaucratic habit, unsubstantiated rumors, McCarthyesque innuendo, unchecked reports of dubious informers or prying neighbors. See H.R.Rep. No. 93-1416, 93d Cong., 2d Sess. 4-5 (1974).14
The Department in this case, however, did not neglect its statutory duty to “assure fairness” when individuals, situated as Doe is, complain. Mindful that “only [Doe] and the reporting agent ... were present during the [March 26, 1981] personal interview,” the Department considered it particularly important to verify the ROI contents, to the extent possible, against the “factual record,” i.e., Doe’s VA file and her educational records.15 By [700]*700checking or rechecking Doe’s amendment requests against documentary evidence, the Department was able to resolve a number of issues. In some instances, State granted Doe’s request and corrected the ROI as she proposed; in other instances, the Department rejected her claim, pointing to the refutation of it in her YA file.16
Only when the Department had narrowed the controversy to what Doe said —as distinguished from what in fact existed in the world outside the Doe/Hughes interview — did the Department allow the conflicting accounts to stand together as part of the ROL The Department settled on that course, we note, only upon finding no reason to doubt that agent Hughes had acted with integrity and in the manner expected of him. See supra note 7 and accompanying text. The verification steps and checks undertaken by the Department, and the corrections made based upon that review, the district court indicated and we conclude, rendered the March 1981 ROI a record maintained with the accuracy and completeness reasonably required to assure fairness to Doe. See supra notes 10-13 and accompanying text.
These were the choices the Department faced once it resolved every issue save what Jane Doe said at the unwitnessed, untaped interview. First, State might have capitulated to Doe’s insistence that the ROI be expunged unless the Department, in a trial-type proceeding, determined where the truth lay. See Appellant’s Brief at 51-55 (examination and cross-examination of Doe and Hughes are essential).
Second, having found “no indication that Agent Hughes acted in any manner other than what was expected of him,”17 the Department might simply have rested upon Hughes’s report of Doe's words, and flatly refused Doe’s record amendment request to the extent that it concerned what Doe said. In that event, Doe would have had the statutory right “to file with the [Department] a concise statement setting forth the reasons for [her] disagreement with [State’s] refusal” to amend the record. 5 U.S.C. § 552a(d)(3). In any disclosure of the ROI to other agencies or persons outside the government, State would have been obliged to note “any portion of the record which is disputed” and to “provide copies of the [objector's] statement.” Id. § 522a(d)(4). If the Department deemed it appropriate, however, it could have added to the disclosure its “reasons ... for not making the amendments requested.” Id.
Third, the choice in fact made by the Department, State could recognize that what Doe said at the March 26, 1981 interview is indeed “unknowable” by third persons, and that, consequently, a file setting out both Hughes’s version and Doe’s may be more accurate than a record embracing only one side’s story. See Doe, supra, slip op. at 11 (district court’s conclusion that choice Department made best served accuracy).
Did the Department, in effect, do no more than the law already required of it in allowing Doe to include in the record her version of what she said? There is a genuine difference, we believe, between the ROI State maintained, which comprehends that truth may lie in the middle ground between divergent accounts each affirmed by one [701]*701witness,18 and a ROI that labels the government agent’s account “true” and the interviewee’s supplement “false.” Moreover, by taking the course it did, State relinquished the right to speak the last word — to accompany any disclosure of the ROI with its own statement of the reasons why it rejected the amendments requested by Doe. See 5 U.S.C. § 522a(d)(4).
Did Congress allow the Department to choose a middle way, or does the Privacy Act rigidly adopt an adjudicatory model forcing a decision for one side and against the other? District judges, of course, sitting alone or instructing juries, are “at home” with the task of finding what “truth” is more probable than not. But judges so engaged know that they, or the juries they instruct, make definitive findings out of necessity; a winner must be declared, although in the generality of civil cases that go to trial, a decision for either side would be reasonable. We do not discern in the Privacy Act any unyielding instruction always to adjudicate in that customary bipolar way so as to find and record “truth,” rather than to adjust a file equitably to reveal actual uncertainty.19
Conclusion
The Department fulfilled its responsibility under the Privacy Act when it verified the March 1981 ROI, to the extent possible, against the factual record, and narrowed the controversy to Doe’s statements at the March 26, 1981 interview. Having no reason to doubt that its agent Hughes acted with integrity in the manner expected of him, the Department refused to expunge Hughes’s version of the interview. At the same time, the Department complemented the ROI with Doe’s conflicting account of the interview. Reviewing the Department’s performance, and arriving at its own judgment of how “accuracy is best served” in this case, Doe, supra, slip op. at 11, the district court thought it a fair accommodation, one consistent with the Privacy Act’s terms and purposes, to retain as part of State’s ROI the contradictory descriptions of agent Hughes and interviewee Doe, the two solé participants in, and auditors of, the episode in question. We agree for the reasons stated in this opinion.20 [702]*702The judgment of the district court is therefore
Affirmed.