Handling disputes and candidate responses

1. 1A response to you is not a dispute with the CRAThe candidate can write to you and can dispute the file with ScreenForge Labs. Those are different acts.7 min(open)
2. 2The reinvestigation belongs to the CRA15 U.S.C. 1681i gives the consumer reporting agency a reinvestigation duty. You do not run that duty from the dashboard.8 min
3. 3What the candidate can sendA statement or a file from the status page is evidence for you to read. It does not change the case status.6 min
4. 4The waiting clock only moves laterA dispute extends the end by the business days it was open. It does not shorten the original wait.8 min
5. 5What the final notice still has to sayClosing a dispute does not delete the notice contents in 15 U.S.C. 1681m.7 min
6. 6What you must not do from the dashboardYou cannot stamp a dispute open to buy time, and you cannot stamp it closed to send the notice.6 min
7. 7Read the response before you decideThe wait exists so the statement can matter. A certificate from this course is not a ruling on any file.6 min
8. Final exam10 questions. 80% passes. Opens after the last module.
9. Certificate of completionYour name, the course, and the date, with a public page anyone can check.

Sources

The primary sources this course is written from.

• U.S. Government Publishing Office: 15 U.S.C. 1681i
• U.S. Government Publishing Office: 15 U.S.C. 1681m
• Federal Trade Commission: Using Consumer Reports: What Employers Need to Know
• Consumer Financial Protection Bureau: Fair Credit Reporting Act resources, including the summary of rights

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