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FCRA (Fair Credit Reporting Act)

The federal law that governs how consumer reporting agencies collect, share, and correct credit information, and that gives you rights over your own report. Under the FCRA you can dispute an inaccurate or incomplete item, and the bureau must generally investigate and respond — typically within about 30 days. It also entitles you to free annual access to your reports and limits who may pull them.

Related forms

Credit dispute letter

How to dispute a credit report error
To dispute a credit report error, get your free reports at AnnualCreditReport.com, then dispute the error in writing with both the credit bureau (Equifax, Experian, or TransUnion) and the furnisher that reported it. Under the Fair Credit Reporting Act, the bureau generally must investigate within 30 days and correct or remove information it cannot verify.

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