Furnisher duty on a dispute sent directly by the consumer
needs research· regulatory · US · fcra.furnisher.direct_dispute v1 · file sha256 07b99c27a5d1…
This rule is not verified. Its text, elements and any period parameters are research placeholders written for human review. Findings based on it are capped at Plausible/Weak and documents cannot cite it as verified authority.
Rationale
Seed rule. Keeps the direct-dispute path distinct from the CRA-notice path (ANTI-02).
Authorities
- 12 C.F.R. § 1022.43 primary regulation — Regulation V: direct disputes to furnishers · source
- 15 U.S.C. § 1681s-2(a)(8) primary statute — Furnisher duty to investigate disputes submitted directly by the consumer · source
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Primary-source snapshots
None on file. Import one with cda rules import-source.
Verification record
No human verification record.
Applies to
Account types: any · Circumstances: none required
Required elements
| Element | Fact tested | Test | Quote anchor |
|---|---|---|---|
| The furnisher received a direct dispute at the designated address (receipt date known) | event.furnisher_dispute_received | known | no anchor yet |
| The dispute concerns information within the direct-dispute rule's scope (e.g. liability, terms, performance, or other information about the account) | account.direct_dispute_subject_in_scope | true | no anchor yet |
Exceptions / limitations
- excluded_subjects (inapplicable if true, needs research) — Certain subjects (e.g. identifying information, inquiries, information from a credit repair organization) are excluded; verify the list.
- frivolous_or_irrelevant (note, needs research) —
Calculation
method days_from_event · params {'trigger_fact': 'event.furnisher_dispute_received', 'days': 30} · parameters are part of the rule and inherit its verification status.
Contrary considerations
- This rule governs disputes sent directly to the furnisher. Duties triggered by a bureau's notice of dispute are a separate rule (fcra.furnisher.after_cra_notice) and must not be cited for a direct dispute.
- The response period and its measurement must be verified from the regulation text.
Potential outcomes (not predictions)
furnisher_investigation_period_running
Routes this rule can suggest
- Dispute directly with the furnisher — A direct written dispute to the data furnisher about specific reported information.
- Dispute the item with the bureau(s) — A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.