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A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses: (1) an address the furnisher provided and is listed on the consumer report; (2) an address the furnisher clearly and conspicuously identified for submitting direct disputes; or (3) if ...

(c) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report.

Section 623(a)(1)(B). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

In fact, it's in your best interest to request a credit report once a year to check for any negative items. Carefully comb through your credit report to see if any falsified information exists. You can use this guide on how to read a credit report. Note that your 609 letter doesn't need to be notarized.

Should you use the so-called 609 credit repair loophole? - YouTube YouTube Start of suggested clip End of suggested clip At annualcreditreport.com second step start with something like a secured credit card you depositMoreAt annualcreditreport.com second step start with something like a secured credit card you deposit the amount you want to borrow. After building up a history with the lender.

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").