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

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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

The Consumer Protection and Antitrust Division protects North Dakota consumers from misleading, deceptive, or unlawful trade practices in connection with the sale or advertisement of goods or services by enforcing the state's antitrust laws and consumer fraud laws including, among others, false advertising, do-not-call ...

The lemon law applies only to new vehicle purchases. It does not apply to motorcycles or motor homes? Under North Dakota law, you have little protection against defects that surface after you buy a used car, unless you purchased an extended warranty or you can prove the seller lied about the condition of the vehicle.

North Dakota Lemon Law (51-07-16 - 51-07-22) Passenger motor vehicles and trucks 10,000 pounds GVW or less, normally used for personal, family or household purposes. 3 repair attempts or 30 business days out of service. Warranty period or 1 year.

Call the Office of Attorney General at (701) 328-2210. Office hours: Monday-Friday AM ? PM, closed on state holidays.

The statute of limitations for actions on notes and contracts, including credit card debt, is six years.

The Consumer Protection and Antitrust Division protects North Dakota consumers from misleading, deceptive, or unlawful trade practices in connection with the sale or advertisement of goods or services by enforcing the state's antitrust laws and consumer fraud laws including, among others, false advertising, do-not-call ...

Ing to a recent ranking of state lemon laws, released by the Center for Auto Safety, New Jersey and Washington state earned the highest grade (A) for consumer protection. California came in at number 12, with a B grade.

North Dakota's Lemon Law (contained in N.D.C.C. Chapter 51-07) applies only to new cars. It does not apply to any other motorized vehicle or to used cars. When you buy a used car, you buy it ?as is,? unless a warranty is included in the purchase.

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