FCRA does not provide a time restriction relating to how
long a consumer has to initiate a dispute. Accordingly,
the best practice is generally to open a dispute and conduct
a reinvestigation whenever a consumer raises a dispute.
That being said, it is essential to have good communication
with your end-user so that it understands the consumer may
have recently moved to expunge or changed a record; but
that at the time of the initial report, the record was current
public record at the time.
How long does a consumer have to file a dispute with a CRA?
CRA should always investigate a consumer dispute.