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

Utah 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

REVIEWING YOUR DISPUTE RESULTS If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report.

The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. A credit reporting company is not required to take action about disputes that are frivolous.

Under section 609, you have the right to request: All of the information in your consumer credit files. The source of that information. Each entity that has accessed your credit report within the past two years (unless it was to complete an investigation) Businesses that have made soft inquiries within the past year.

Upon making a determination that a dispute is frivolous or irrelevant, the furnisher must notify the consumer of the determination not later than five business days after making the determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the furnisher.

When you submit a dispute, the credit reporting agency must investigate the items in question ? usually within 30 days ? unless they consider your dispute frivolous.

If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report. Why did the disputed item not come off my credit report? If a dispute investigation shows that an item is accurate, TransUnion will continue to show that item in your credit report.

In most cases, the credit bureau has 30 days from the date of filing to investigate your claim, though an investigation can take up to 45 days in some circumstances. Once the investigation is complete, the bureau has five days to notify you of the results.

45 days: If you submit additional information on your dispute during the standard 30-day investigation window, the credit bureau may take an additional 15 days, or a total of 45 days, to complete its investigation.

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