30 days from the receipt of your letter
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.
If you identify information in your credit file that is incomplete or inaacurate, and report it to the consumer reporting agency, the agency must investigate unless your dipute is frivolous. See www.ftc.gov/credit for an explanation and procedures
there is no difference, it is the same. They were called Credit reaporting agencies several years ago, then the terms was changed to consumer reporting agencies as they are not used for more than just Credit Reporting.
A consumer reporting agency is an agency that collects information on certain individuals. They then sell this information to possible creditors to help them decide the credit worthiness of the individual (or whether a person should be allowed extended credit).
File a dispute with the credit reporting agency.
fair credit reporting act
The dispute takes so long because the credit reporting agency has to investigate any and all disputes.
You can dispute anything on your credit report with the major reporting agencies Equifax; transunion and Experian. You can go online and do an electronic consumer dispute form.
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
File a dispute with the credit reporting agencies. The car lot will have to prove that you still owe money or the credit reporting agency will change it.
If the lien appears on your credit report, you dispute it with the credit bureau. You can do this by ordering your credit report on line and issuing a dispute through their investigation department, of course, you will have to provide evidence for your claim.