FEDERAL LAW · PRIMARY SOURCE
How to Dispute a Credit Report Error
Fair Credit Reporting Act · 15 U.S.C. § 1681i
Disputing a credit report error is your legal right under Section 611 of the FCRA. The bureau must investigate within 30 days and delete items they cannot verify. Use Federal 609 to generate the correct letter automatically.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681i
Section 611 gives consumers the right to dispute inaccurate or incomplete information directly with any consumer reporting agency. The bureau has 30 days to investigate and must forward the dispute to the furnisher. Items that cannot be verified must be deleted or modified. You may add a 100-word consumer statement.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act