Correct!
Answer: (b) is the correct response as there
is no time limit on disputes. The reason that a CRA would
not send a corrected report/results to the original client
is that there would no longer be a permissible purpose for
them to receive the record unless the CRA has some reasonable
belief that the client is still considering hiring the person.
If the CRA discovers that incorrect information was reported
after an investigation and this is due to errors in the
docket, it is recommended that the CRA keep a record of
that error so that any future report on this individual
will not contain the same error which could potentially
expose the CRA to litigation now that it is aware of the
inaccurate information.
CRA
ABC Corp. received a dispute from a consumer in 2014. The
original report on this consumer was in 2005. What steps
should ABC take in response to the dispute?
a.
It should conduct the investigation in the same manner it
would a dispute on a report sent recently and provide the
results to both the consumer and the client who originally
requested the report.
b.
It should conduct the investigation in the same manner it
would a dispute on a report sent recently and provide the
results to the consumer.
c.
It should inform the consumer that the dispute is untimely
and take no further action.
d.
It should inform the consumer that the dispute is untimely
and inform the client for whom the original report was run
that a dispute was made.
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