| Correct!
(C) There is
no time restriction in the FCRA for when a consumer must
initiate a dispute. As a result, the best practice is to
open a dispute and conduct a reinvestigation whenever a
consumer raises a dispute. However, due to the time involved,
unless there is a new request from your client and an authorization
allowing the release of the information to your client,
it is not proper to provide a revised report to the client
as it is questionable as to whether the client has a permissible
purpose for this information at this time. You can advise
Mr. Smith of any new information/updated information and
advise him that you have noted the information in your file
but that you will not provide the information to any other
party unless you receive a new request or that he requests
that the updated report be sent to prior recipients of the
old report/information.
Question:
CRA, Inc. provided its client a background check on Tom
Smith. Several "hits" were reported to the client about
Mr. Smith. CRA is unaware whether any of those hits had
a negative result on Mr. Smith's application. It has now
been six months and Mr. Smith has contacted CRA to dispute
information contained in that report. How should CRA respond?
Please
choose your answer by clicking on it:
A.
It depends on whether this was an employment application
or an application for housing.
B.
CRA should investigate Mr. Smith's dispute in the same manner
and way it would any dispute received, and provide a new
revised report to the end user.
C.
CRA should investigate Mr. Smith's dispute in the same manner
and way it would any dispute received, but should not provide
a revised report to the end user.
D.
Mr. Smith waited too long to dispute the information and
CRA should notify Mr. Smith of this.
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