The Q & A to FCRA addresses the issue of going to the creditor if the creditor is acting in the capacity of credit reporting agency. If the information is in error, it must be deleted.
If reinvestigation does not resolve the dispute with the consumer, he is entitled to file a brief statement setting forth the nature of the dispute. This statement may be limited to 100 words, if the financial institution provides the consumer with assistance in writing a clear summary of the dispute. Unless there are reasonable grounds to believe that the dispute is frivolous or irrelevant, all subsequent consumer reports containing the information in question must clearly note that it is disputed by the consumer, and provide either the consumer's statement or a clear and accurate codification of summary of it. ยง 611(b), (c)
Last edited by Jax; 02/09/04 10:34 PM.
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Integrity. With it, nothing else matters. Without it, nothing else matters.