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Colorado
Result of Investigation of Disputed Credit Information and Disclosure...

Colorado Result of Investigation of Disputed Credit Information and Disclosure of Consumer Rights in Event of Continued Dispute

Category:

Loans and Lending - Consumer Reports

State:

Multi-State

Control #:

US-01416BG

Format:

Instant download

Description

Under the Fair Credit Reporting Act, if a consumer disputes the completeness or accuracy of any item of information in the consumer's file, and the dispute is directly conveyed to the consumer reporting agency by the consumer, the reporting agency must, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, unless it has reasonable grounds to believe that the dispute is frivolous or irrelevant. If the information is erroneous, inaccurate, or can no longer be verified, the credit reporting agency must promptly correct or delete it and refrain from reporting the information in subsequent consumer reports.

Following any deletion of information or notation as to disputed information, the agency, on request of the consumer, must furnish to certain persons either: (1) notification of the deletion; or (2) the consumer's statement of the dispute or the agency's summary of the statement. The consumer reporting agency must clearly and conspicuously disclose the consumer's rights to make such a request, such disclosure to be made at or prior to the time the information is deleted or the consumer's statement regarding the disputed information is received.

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FAQ

Under Colorado law, a consumer reporting agency shall, upon written or verbal request and proper identification of any consumer, clearly, accurately, and in a manner that is understandable to the consumer, disclose to the consumer, in writing, all information in its files at the time of the request pertaining to the ...

This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements.

Additionally, for statute of limitations purposes, Colorado Consumer Protection Act claims must be brought within 3 years after the consumer discovered or reasonably should have discovered the occurrence of the false, misleading, or deceptive act or practice. See C.R.S.

Data Furnisher Requirements The FCRA Furnisher Rule includes legal obligations of the data furnisher, including: Data furnishers must provide information that is accurate and complete. Data furnishers must investigate customer disputes about the accuracy of the information they provide.

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").

Sufficient information to identify the account or other relationship in dispute; The specific information being disputed; An explanation of the basis for the dispute; and. All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.

First, dispute the information with the credit reporting company or companies Contact information for you, including your complete name, address, and telephone number. Credit report confirmation number, if available. Each error you want fixed, including the account number for any account you may be disputing.

A data furnisher is an entity that reports information about consumers to consumer reporting agencies (CRAs), which may include credit bureaus, tenant screening companies, check verification services, medical information services, etc.

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