Agencies must conduct a reasonable reinvestigation within thirty days and forward the dispute to the furnisher, who must investigate and report results. Frivolous disputes may be rejected with notice.
Furnisher duties arise only after agency notice.
Alternative Names:
FCRA Reinvestigation|Dispute Investigation Duty
Why it Matters?
Furnisher obligations attach only upon receiving notice from a reporting agency, which means a dispute sent directly to the furnisher does not trigger the statutory duty and is a threshold defense to direct furnisher claims. Reasonableness of the investigation is assessed against the dispute's specificity, so a detailed dispute identifying the error requires more than confirming the account matches internal records.
Frequently Confused with
Related terms
Frequently asked questions
When do furnisher duties attach?
How is reasonableness measured?
