What US Fair Credit Reporting Act - 15 USC 1681i Procedure in Case of Disputed Accuracy requires
15 USC 1681i titled 'Procedure in case of disputed accuracy' governs the consumer reporting agency reinvestigation process when a consumer disputes the accuracy or completeness of any item of information in the consumer's file. Subsection (a)(1) requires the agency, free of charge, to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute, subject to a 15-day extension when the agency receives information from the consumer during the period. Subsection (a)(2) requires the agency, before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph (1), to provide notification of the dispute to any person who provided any item of information in dispute. Subsection (a)(5) requires the agency, upon finding the information inaccurate, incomplete, or unverifiable, to promptly delete or modify the item and promptly notify the furnisher of the information that the information has been modified or deleted. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement of not more than one hundred words setting forth the nature of the dispute. Subsection (f) imposes a 20-day correction deadline on resellers. Together these provisions define the FCRA dispute-handling timeline that consumer reporting agencies must operate to.
Pillar: Banking & Global Finance · Authority: US Congress / Federal Trade Commission / Consumer Financial Protection Bureau · Version: 1.0.0 · Last updated:
Primary source: https://www.govinfo.gov/link/uscode/15/1681i
SHA-256 integrity: 39868366de08c14f13a69390f6d763fabc80ee77aa292a3f97aa87ae059a7ef2
Primary Citations — 8 traced to source
- 15 USC 1681i - Procedure in case of disputed accuracy - statutory text at https://www.law.cornell.edu/uscode/text/15/1681i
- 15 USC 1681i(a)(1) - 30-day reasonable reinvestigation window with 15-day extension where consumer information is received during the period
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