Build a Fair Credit Reporting Act dispute file
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- List each disputed item, the date the dispute was received, the furnisher, and the documents the consumer sent. Do not write the agency's or the furnisher's response.
- What the lawyer must review
- 15 U.S.C. § 1681i requires a consumer reporting agency that receives a dispute of the completeness or accuracy of an item to reinvestigate. The section states a 30-day period, which may be extended by not more than 15 days if the consumer provides more relevant information during the 30 days. The agency must notify the furnisher before the end of the five-business-day period after it receives the dispute. It may end a reinvestigation it reasonably determines is frivolous or irrelevant, and must then notify the consumer within five business days. You check the dates and decide whether the dispute is frivolous. The tool does not send the notice.
- Written for / version
- United States versionUS
Who does what
| Role | What they do |
|---|---|
| Assistance | Consider narrowly defined preparation support after confirming the tool’s capability and permitted scope. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Calculate operative dates independently from the current rule and actual triggering event. Check exceptions and record the verified deadline.
- Review the original source set for relevant material absent from the output, including contrary evidence, qualifications and remaining gaps.
- Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
- Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.