Sec. 107. Indication of dispute by consumers and use of disputed information
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/bill/116/hr/3621/rds/section-107A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
Section 605(f) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(f) ) is amended to read as follows: A consumer reporting agency shall include in any consumer report based on the consumer’s file a notation identifying any item of information that is currently in dispute by the consumer if— a consumer disputes the completeness or accuracy of any item of information contained in a consumer’s file pursuant to section 611(a)(1); a consumer files with a consumer reporting agency an appeal of a reinvestigation pursuant to section 611(i) ; or the consumer reporting agency is notified by a person that furnished any items of information that are currently in dispute by the consumer that— a consumer disputes the completeness or accuracy of any information furnished by a person to any consumer reporting agency pursuant to paragraph
(3)or
(8)of section 623(a); or a consumer submits a notice of appeal under section 623(a)(10). A consumer may submit a request to a consumer reporting agency or a person who furnished the information in dispute, as applicable, to have the notation described in paragraph
(1)omitted from the consumer report. Upon receipt of such a request— by a consumer reporting agency, such agency shall remove the notation within 1 business day; and by a person who furnished the information in dispute, such person shall submit such request to each consumer reporting agency to which the person furnished such information within 1 business day and such agency shall remove the notation within 1 business day of receipt of such request. .
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Sec. 107
Indication of dispute by consumers and use of disputed information
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