However, it has 45 days to investigate if you dispute after receiving your free annual credit report. Also, if you submit additional information relevant to your dispute during the 30-day investigation period, it can extend the investigation period for 15 additional days.
You will also receive a copy of your updated credit report. This free report does not count as your annual free report. Please note that if a company provides the wrong information to a credit reporting company and then corrects your credit report as a result of your dispute, it has a duty to forward the correction to every credit reporting company to which it has provided the incorrect information.