FCRA Procedure Request Letters

Another FCRA Tool

Per the Fair Credit Reporting Act, if you dispute an item on your credit report and it is verified you may request a description of the procedure used to verify the item.

Good Information

This is useful if you are not satisfied and would like to pursue the issue further as part of your credit repair program. If asked, the credit bureaus are required to provide the details of the dispute process including the name, address, and phone number of the party that verified the disputed account. They must provide the information within 15 days of receiving your request.

Using the Rule

Once you have the information in hand your credit repair effort can be efficiently routed to the right person at the creditor. Here’s the law:

Section 611 (a) (6) (B) As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)… (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6) (B) (iii) by not later than 15 days after receiving a request from the consumer for that description.