Mark D. Mailman of Francis Mailman Soumilas. Courtesy photo Third Circ. Clarifies Furnishers' Duties Under the FCRA to Probe Indirect Disputes
The court, in a straightforward statutory interpretation opinion, held that the FCRA did not give furnishers that same discretion because the statute's language did not provide it.
October 26, 2023 at 10:18 AM
7 minute read
The Fair Credit Reporting Act (FCRA) allows consumers to dispute the validity or accuracy of information in their credit reports and gives them three options for doing so. A consumer may file a "direct" dispute with the entity that furnished the allegedly false or inaccurate information to a consumer reporting agency (CRA). Or, that consumer can file an "indirect" dispute with the CRA, which can pass the dispute onto the furnisher for further investigation. As a third option, a consumer can file both direct and indirect disputes.
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