Section 609 Credit Dispute

Section 609 of the fair credit reporting act does not care whether the negative account is valid or not.

Section 609 credit dispute.

Section 609 oddly enough doesn t have anything to do with your right to dispute information on your credit reports or a credit reporting agency s obligations to perform investigations into your disputes. Section 609 of the fair credit reporting act fcra outlines a consumer s right to order copies of their credit report and the information that appears on it. Anyone can dispute information in. The letters dispute the credit reporting agencies right to report the adverse account not whether or not the adverse account is valid.

Section 609 of the fair credit reporting act requires credit reporting agencies to disclose information to consumers who request it about what is in their credit reports. As you have failed to do so i kindly request that you remove the aforementioned items from my credit report. Section 609 of the fair credit reporting act fcra states that you must investigate my dispute within 30 calendar days from my initial letter. There is no such 609 dispute letter anywhere to be found in the fcra.

Section 609 doesn t explicitly discuss your right to dispute inaccurate information but it does assert your right to a copy of all the information in your credit file.