The failure to make a timely investigation into a consumer's question about his/her credit report is a violation of the FCRA.

Question

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According to section 611 of the FCRA, if a consumer submits a dispute about inaccurate information on their credit report, the credit reporting agency has a duty to conduct a reasonable investigation within 30 days, which may be extended to 45 days in certain circumstances. Failure to timely investigate the dispute is a violation of the FCRA.

The Failure to Make a Timely Investigation into a Consumer's