FCRA Reinvestigation of Disputed Information 15 U.S.C. § 1681i
CRAs must reinvestigate disputed items within 30 days (45 days with additional submitted information), delete unverifiable data, and report results to the consumer. This is the core dispute process under FCRA.
Key provisions
- 30-day reinvestigation deadline
- Deletion of inaccurate or unverifiable information
- Results notice with free updated report
- Duty to provide dispute methodology upon request
Query this statute via API
Royal Ruby returns structured citations, plain-English summaries, reporting timelines, and statutes of limitations for this and related statutes. $0.05 per call, USDC on Base mainnet via x402 — no API keys, no signup.
curl -X POST https://royal-ruby-x402.fly.dev/api/law-lookup \
-H 'Content-Type: application/json' \
-d '{"topic": "FCRA Reinvestigation of Disputed Information", "statute": "15 U.S.C. § 1681i"}'
# -> 402 challenge: $0.05 USDC on Base (eip155:8453), payTo 0x9b8a...f72f
# Settle with any x402 client (@x402/fetch, MCP x402 tools), replay with payment header.
Full background and the service fleet: RAEN blog — Live x402 Agent APIs. Information only — not legal advice.