Under the Fair Credit Reporting Act (FCRA), a consumer disputes inaccurate information on their credit report. The credit reporting agency must investigate within:

Correct answer: 30 days

Under FCRA, when a consumer disputes information on their credit report, the credit reporting agency (CRA) must investigate the dispute within 30 days (which may be extended to 45 days if the consumer provides additional information). The CRA must forward the dispute to the furnisher, who must also investigate. If the information is found to be inaccurate, it must be corrected or deleted.