Credit Report Quiz


Looking for a credit report quiz to see if you may be able to file a lawsuit against one of the credit bureaus or a creditor? This quiz may help you think about credit report errors differently. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information on your credit reports. If it is not corrected, you may be able to file a claim against them and force them to correct their errors.

Basics of the Fair Credit Reporting Act:

The credit reporting agencies are required to keep accurate credit files. 15 U.S.C. § 1681i(a)

When a consumer disputes information with a credit reporting agency, the agency must “conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.” 15 U.S.C. § 1681i(a)(1)(A).

The FCRA requires CRAs and entities that furnish information to CRAs (“furnishers” or “furnishers of information”) to investigate disputed information.

The furnisher of information must: (1) “conduct an investigation with respect to the disputed information”; (2) “review all relevant information provided by the consumer reporting agency” in connection with the dispute; and (3) “report the results of the investigation to the credit reporting agency.” Id. § 1681s-2(b)(1)(A)–(C).