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45 days or 30?

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I got a free annual CR in August.


I signed up for Citi Identity Monitor in September.


I sent out disputes to EQ and TU in October.  No response yet, they signed for the letters on 10/15 and 10/12.


If I send them a letter, can they claim they have 45 days to investigate?


Did you reference a report number in your dispute letter or attach a copy? Citi likely shows up as a soft pull and not a consumer request for report, so as long as you didn't purchase a report directly from the CRAs after August, the free disclosure report should be the one they assume you are disputing.

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