Consumer Dispute Process
The lifecycle of a dispute from submission to furnisher response.
Updated 8/14/2025 · 1 min read
Steps and outcomes
Consumers can dispute inaccuracies through CRAs, triggering an investigation request to the furnisher. Outcomes include correction, deletion, or validation of the reported information.
Timelines and evidence
Respond within required timelines with clear, contemporaneous evidence (statements, contracts, payment logs). Document the decision and update the tradeline if a correction is needed.
Process hygiene
Track repeat disputes, root causes, and systemic fixes. Dispute spikes can indicate upstream data quality issues in extraction or mapping.
Last updated
8/14/2025