FEDERAL LAW · PRE-VERIFIED
Section 623 — Furnisher Accuracy Obligations
Fair Credit Reporting Act · 15 U.S.C. § 1681s-2
✓ VERIFIED
Creditors and banks (furnishers) are required by law to report accurate information and must investigate disputes forwarded from credit bureaus. This gives you a direct dispute path to the original creditor.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681s-2
Section 623 requires furnishers of information to provide accurate information to consumer reporting agencies, to investigate consumer disputes forwarded by bureaus, and to correct or delete inaccurate information. Furnishers must not report information they know to be inaccurate.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act