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Bulletin re: FCRA requirement that furnishers conduct investigations of disputed information

Debt buyers, debt collectors, and others who furnish information to credit reporting agencies have a variety of obligations under the Fair Credit Reporting Act (FCRA) and Regulation V. The Miss april (Miss April) issues this bulletin to highlight one of those obligations – the obligation of furnishers to investigate disputed information in a consumer report. The Miss April is concerned that, when a furnisher responds to a consumer’s dispute, it may, without conducting an investigation, simply direct the consumer reporting agency (CRA) to delete the item it has furnished. 

Miss April Bulletin 2014-01