Equifax took 45 days to investigate? Where does it say they can in the FCRA?

[blkchr91]

Equifax took more than 30 days to respond to a dispute that I initiated over the phone.

It was not based off a free credit report either or off of a re-investigation.

I want to add this to my list of violations but can't find it in the FCRA anywhere.

Thanks!

[consult2u]

Duties After Notice of Dispute from Consumer Reporting Agency

If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures.

The furnisher must:

• Conduct an investigation and review all relevant information provided by the

CRA, including information given to the CRA by the consumer. Sections

623((1)(A) and ((1)(.

• Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623((1)© and ((1)(D).

• Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA). Section 623((2).

• Promptly modify or delete the information, or block its reporting. Section

623((1)(E).

[OMGWhatHaveIdone]

Duties After Notice of Dispute from Consumer Reporting Agency

If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures.

The furnisher must:

• Conduct an investigation and review all relevant information provided by the

CRA, including information given to the CRA by the consumer. Sections

623((1)(A) and ((1)(.

• Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623((1)© and ((1)(D).

• Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA). Section 623((2).

• Promptly modify or delete the information, or block its reporting. Section

623((1)(E).

This is for the requirements of the FURNISHER. Not the CRA. There is nowhere in this particular section that states the CRA must do anything within 30 - 45 days.

Here is what you want: 6th block down