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<h1 style="text-align: left;">How To Correct Incorrect Data On My Credit Report</h1>
 
What Happens When You Dispute Your Credit Report?
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<ol>
<li>Get your complete credit report <a href="http://annualcreditreport.com/" rel="nofollow" target="_blank">annual credit report dot com</a></li>
<li>Credit Monitoring Services <a href="http://www.myfico.com/" rel="nofollow" target="_blank">http://www.myfico.com/</a></li>
<li>Validation of debt rule and verification of debt letter - If you find incorrect information on your credit report, prepare a letter of notification - advising the credit agency that the following line items are incorrect and must be removed unless they provide signed written proof within 30 days from receiving a certified letter of demand for the removal of negative and inaccurate credit information - according to the Fair Credit Reporting Act [provide the list with name phone number and any relevant data] <a href="http://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf" rel="nofollow" target="_blank">http://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf</a></li>
<li>Once 30 days has elapsed, obtain another credit report and if the negative inaccurate information has not been removed and the credit agency has not provided you with a valid signed agreement between you and the accusing vendor send another certified letter of demand. This will start the tolling process for each and violation.</li>
</ol>
 
<h4>
Video Explanation</h4>
STEP 1
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STEP 2
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STEP 3
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STEP 4
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STEP 5
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STEP 6
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<h4>
The Law</h4>
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every consumer reporting
agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and
accurately disclose to the consumer:
(1) All information in the consumer’s file at the time of the request (2) Summary of rights required to be included with agency disclosures.
A consumer reporting agency shall provide to a consumer, with each
written disclosure by the agency to the consumer under this section – (A) the summary of rights prepared by the Bureau under paragraph
(1); (C) a list of all Federal agencies responsible for enforcing any provision
of this title, and the address and any appropriate phone
number of each such agency, in a form that will assist the consumer
in selecting the appropriate agency; 
 
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
(a) Reinvestigations of Disputed Information (1) Reinvestigation Required (A) In general. Subject to subsection (f), if the completeness or
accuracy of any item of information contained in a consumer’s
file at a consumer reporting agency is disputed by the consumer
and the consumer notifies the agency directly, or indirectly
through a reseller, of such dispute, the agency shall, free of
charge, conduct a reasonable reinvestigation to determine
whether the disputed information is inaccurate and record the
current status of the disputed information, or delete the item
from the file in accordance with paragraph (5), before the end
of the 30-day period beginning on the date on which the agency
receives the notice of the dispute from the consumer (C) Limitations on extension of period to reinvestigate. Subparagraph
(B) shall not apply to any reinvestigation in which,
during the 30-day period described in subparagraph (A), the
information that is the subject of the reinvestigation is found to
be inaccurate or incomplete or the consumer reporting agency
determines that the information cannot be verified. (2) Prompt Notice of Dispute to Furnisher of Information
(A) In general. Before the expiration of the 5-business-day period
beginning on the date on which a consumer reporting agency
receives notice of a dispute from any consumer or a reseller in
accordance with paragraph (1), the agency shall provide notification
of the dispute to any person who provided any item of
information in dispute, at the address and in the manner established
with the person. The notice shall include all relevant
information regarding the dispute that the agency has received
from the consumer or reseller. 
 
§ 617. Civil liability for negligent noncompliance
[15 U.S.C. § 1681o]
(a) In general. Any person who is negligent in failing to comply with any
requirement imposed under this title with respect to any consumer is liable
to that consumer 
 
§ 618. Jurisdiction of courts; limitation of actions
[15 U.S.C. § 1681p]
An action to enforce any liability created under this title may be brought in
any appropriate United States district court, without regard to the amount in
controversy, or in any other court of competent jurisdiction, not later than the
earlier of (1) 2 years after the date of discovery by the plaintiff of the violation
that is the basis for such liability; or (2) 5 years after the date on which the
violation that is the basis for such liability occurs. 
 
§ 621. Administrative enforcement [15 U.S.C. § 1681s]
(a) Enforcement by Federal Trade Commission.
(1) In General. The Federal Trade Commission shall be authorized
to enforce compliance with the requirements imposed by this title
under the Federal Trade Commission Act (15 U.S.C. 41 et seq.),
with respect to consumer reporting agencies...powers under the Federal Trade Commission Act, a violation of any
requirement or prohibition imposed under this title shall constitute
an unfair or deceptive act or practice in commerce, in violation of
section 5(a) of the Federal Trade Commission Act (15 U.S.C. 45(a)),
and shall be subject to enforcement by the Federal Trade Commission
under section 5(b) of that Act with respect to any consumer reporting
agency 
 
(2) Penalties
(A) Knowing Violations. Except as otherwise provided by subtitle
B of the Consumer Financial Protection Act of 2010, in the
event of a knowing violation, which constitutes a pattern or
practice of violations of this title, the Federal Trade Commission
may commence a civil action to recover a civil penalty
in a district court of the United States against any person that 
§ 621 - 15 U.S.C. § 1681s
73
violates this title. In such action, such person shall be liable for
a civil penalty of not more than $2,500 per violation. 
 
(ii) in the case of a violation described in any of paragraphs
(1) through (3) of section 623(c) [§ 1681s-2], damages for
which the person would, but for section 623(c), be liable
to such residents as a result of the violation; or
(iii) damages of not more than $1,000 for each willful or negligent
violation; and 
 
...a new violation occurs each and every day, once the 30 day notice has been signed and received by the credit agency... 
 
...after the date on which the
violation that is the basis for such liability occurs... 
 
...each incorrect negative information which remains on the report is considered a separate violation... 
 
...for every day the credit reporting agency allows each incorrectly listed negative item to remain on the report they are in violation... 
 
...proof is defined by signature of consumer for service between the original service vender and the consumer... 
 
§ 623. Responsibilities of furnishers of information to consumer
reporting agencies [15 U.S.C. § 1681s-2]
(a) Duty of Furnishers of Information to Provide Accurate Information (2) Duty to correct and update information (7) Negative Information (B) Time of Notice
(i) In general. The notice required under subparagraph (A)
shall be provided to the customer prior to, or no later than
30 days after, furnishing the negative information to a
consumer reporting agency described in section 603(p)

How To Correct Incorrect Data On My Credit Report

Ron Abboud 0 1:48 PM

How To Correct Incorrect Data On My Credit Report What Happens When You Dispute Your Credit Report? Get your complete credit report annual credit report dot com Credit Monitoring Services http://www.m…

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How To Correct Incorrect Data On My Credit Report

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