Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes

摘要

The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-07, titled, "Reasonable Investigation of Consumer Reporting Disputes." In this circular, the Bureau responds to the questions, "1. Are consumer reporting agencies and the entities that furnish information to them (furnishers) permitted under the Fair Credit Reporting Act (FCRA) to impose obstacles that deter submission of disputes? " and "2. Do consumer reporting agencies need to forward to furnishers consumer- provided documents attached to a dispute? "