CRA reinvestigation after a consumer dispute
needs research· statutory · US · fcra.reinvestigation.cra v1 · file sha256 ef26804503ae…
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. The 30-day figure is a placeholder to be anchored to the primary text; the extension amount is deliberately not encoded until verified.
Authorities
- 15 U.S.C. § 1681i(a) primary statute — CRA reinvestigation of disputed information; time limits and extension · source
Links open public legal sources in your browser; this application itself never fetches them.
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 bureau received a dispute of the completeness or accuracy of the item (date of receipt known) | event.cra_dispute_received | known | no anchor yet |
| The bureau did not treat the dispute as frivolous or irrelevant optional | event.cra_dispute_frivolous_notice | unknown | no anchor yet |
Exceptions / limitations
- extension_on_additional_info (extends if true, needs research) — The period may be extended when the consumer provides additional relevant information during the period; the extension length must be verified.
- free_report_dispute_variant (note, needs research) — A different period may apply to disputes following a free annual report; verify.
Calculation
method days_from_event · params {'trigger_fact': 'event.cra_dispute_received', 'days': 30} · parameters are part of the rule and inherit its verification status.
Contrary considerations
- The period starts on receipt by the bureau, not on mailing; without proof of receipt the deadline is only estimated.
- A regulator complaint is not a dispute to the bureau and does not start this period.
- The consequence of a missed period (deletion or modification) must be verified from the statute before it is stated.
Potential outcomes (not predictions)
reinvestigation_period_running
Routes this rule can suggest
- Dispute the item with the bureau(s) — A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.
- Prepare a regulator complaint (not sent by this app) — A complaint to a regulator describing the facts and prior attempts; drafted for your review only.
- Consult legal aid or an attorney — Where a rule is unverified or the facts suggest a potential claim, a consultation can confirm the analysis.