Does NH have a consumer protection statute?

New Hampshire's principal consumer protection law is called "Regulation of Business Practices for Consumer Protection" but it is commonly known as the "Consumer Protection Act." The Consumer Protection Act is patterned after the Federal Trade Commission Act and, like its federal counterpart, the New Hampshire law ...

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

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

Name: New Hampshire Result of Investigation of Disputed Credit Information and Disclosure of Consumer Rights in Event of Continued Dispute
Brand: US Legal Forms
Rating: 4.87 (445 reviews)

Category:

Loans and Lending - Consumer Reports

State:

Multi-State

Control #:

US-01416BG

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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

The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a(p) of this title.

If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days.

After completing this reasonable investigation, the furnisher is required to ?report the results of the investigation to the consumer? generally within 30 days.

If a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days after making the determination. This notice can be a form letter.

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

The dispute notice must contain sufficient information to identify the account 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.

New Hampshire's principal consumer protection law is called "Regulation of Business Practices for Consumer Protection" but it is commonly known as the "Consumer Protection Act." The Consumer Protection Act is patterned after the Federal Trade Commission Act and, like its federal counterpart, the New Hampshire law ...

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.

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A complete and accurate statement of the consumer's right to dispute inaccuracies in any file maintained by any credit reporting agency. Note: The last two ... Disputes to CRAs If a CRA notifies you that a consumer disputes information you provided, you must: investigate the dispute and review all relevant information ...A credit reporting agency is essentially an information collector of consumers' credit payment histories, disclosing the data to those businesses or ... Nov 10, 2022 — The CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring ... Get the consumer support help you need with RealPage and find out how to request consumer report and credit dispute forms. ... the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor ... > Once disputed information is removed from a consumer's credit file, it cannot be reinserted unless the accuracy of the information is certified by the ... ... information provided by the consumer with the dispute notice;. (3) Complete its investigation of the dispute and report the results of the investigation to the ... Result of investigation of disputed credit information—Disclosure of consumer rights in event of continued dispute. This content is locked. The FACTA provides consumers with additional rights to accurate credit information furnishing and reporting. The agencies that oversee FCRA enforcement will ...

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

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How to fill out New Hampshire Result Of Investigation Of Disputed Credit Information And Disclosure Of Consumer Rights In Event Of Continued Dispute?

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FAQ

When must you notify a consumer of furnishing negative information to a consumer reporting agency?

How long does it take for credit score to update after dispute?

When a consumer submits a dispute to a furnisher the investigation results must be reported to the consumer within?

How many days after investigating a direct dispute you must report results of the investigation to the consumer?

What happens when a credit dispute takes longer than 30 days?

What information is required for a furnisher to investigate a direct dispute?

Does NH have a consumer protection statute?

When investigating a direct dispute a furnisher must report results of the investigation to the consumer within?

Interesting Questions

What is the result of an investigation of disputed credit information?

What happens if I continue to dispute the credit information after the investigation?

What are my consumer rights in the event of a continued dispute?

Can I request disclosure of my consumer rights if the dispute continues?

What should I do if I am not satisfied with the outcome of the investigation?

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