Credit and consumer reporting complaint notice

WHEN YOU MUST FIRST DISPUTE THE COMPLAINT WITH THE CRA:

Before submitting a complaint against a credit or consumer reporting agency about inaccurate or incomplete information on your consumer report, you are required by law to first dispute the information directly with the credit or consumer reporting agency. 15 U.S.C. 1681i(a) & (e). You can learn more about how to submit a direct dispute  here.

To submit a complaint, you must attest that the information you have provided is true to the best of your knowledge and belief, and, if your complaint to a CRA concerns inaccurate or incomplete information, that you have already submitted your dispute to a CRA more than 45 days ago or that your dispute with the CRA is no longer pending.

Furthermore, if you submit a complaint to the CFPB against a credit or consumer reporting agency about inaccurate or incomplete information without first disputing the information directly with that company:

• They may not respond to your complaint
• The CFPB will discontinue processing your complaint if the company alerts us that you did not first dispute the information with them directly.

DO NOT SUBMIT UNLESS YOUR DISPUTE WITH THE CRA IS NO LONGER PENDING OR 45 DAYS HAVE ELAPSED SINCE YOU FILED THAT DISPUTE:

Even if you have already submitted a dispute and can attest that the information you have provided is true to the best of your knowledge and belief, do not submit a complaint to the CFPB about inaccurate or incomplete information while your dispute with the relevant credit or consumer reporting agency remains active. Credit and consumer reporting agencies are required to respond to disputes submitted to them within 30-45 days.  By prematurely submitting your complaint here, you are impeding the system from serving other consumers who have correctly followed the process.