You Can Dispute Inaccurate Information With The Credit Reporting Act. - CREDIT REPORT

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CREDIT REPORT: You can dispute inaccurate information with the credit reporting act.


If you tell a Credit Reporting Act that your file contains inaccurate information, the Credit Reporting Act must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the Credit Reporting Act. (The source also must advise national Credit Reporting Acts -- to which it has provided the data -- of any error.) The Credit Reporting Act must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the Credit Reporting Act's investigation does not resolve the dispute, you may add a brief statement to your file. The Credit Reporting Act must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

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