Washington 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

Disputing credit report inaccuracies doesn't affect your credit, but some changes made in response to disputes can help your credit scores. The removal of inaccurate late payments, new-credit inquiries or bankruptcies could result in credit score increases.

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.

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.

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.

If you file a dispute to address a credit report inaccuracy, federal law requires an investigation to be completed in 30 to 45 days.

Filing a dispute has no impact on credit scores. But if certain information on your credit report changes as a result of your dispute, your credit score can change. The nature of that change?whether your score goes up, down or stays the same?depends on what you are disputing and the outcome of the dispute.

What does this statement mean as a response of collection dispute "Account information disputed by a consumer, meets FCRA requirements?" It means the creditor disagrees with your dispute, but has agreed to acknowledge the fact that you are disputing it.

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.

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