Investigation Dispute Letter
This INVESTIGATION DISPUTE LETTER is a written communication that a consumer submits to a credit reporting agency (CRA) to challenge the accuracy of information contained in their credit report.
USC 1681(2)(b) of the Fair Credit Reporting Act (FCRA) outlines the consumer's right to dispute any information on their credit report that they believe is inaccurate or incomplete.
The CRA must investigate the dispute within 30 days of receiving it and either remove or correct the information if it is found to be inaccurate. If the investigation does not resolve the dispute, the consumer may have legal recourse under the FCRA.