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.