if you request proof of the credit bureau's vertification, are they to provide the requested info?

Question

when you request copies of the reinvestigsted info and the person who vertified the credit file update to the credit bureau's, are the credit bureau's obligated to provide this information..
so what do you do when a credit file contains no change, but they say the vertified and updated the information?

thanks

ted

Answer 1

Page 48 of the link below from the Fair Credit Reporting Act states they must provide the information you are asking for.

§ 610. Conditions and form of disclosure to consumers [15 U.S.C. § 1681h]

(iii) Additional information. As part of, or in addition to, the notice under
clause (ii), a consumer reporting agency shall provide to a consumer in
writing not later than 5 business days after the date of the reinsertion
(I) a statement that the disputed information has been reinserted;
(II) the business name and address of any furnisher of information
contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the
consumer reporting agency, in connection with the reinsertion of
such information; and
(III) a notice that the consumer has the right to add a statement to the
consumer's file disputing the accuracy or completeness of the
disputed information.

Answer 2

Yes, and which one was used as well. Then you can protest any incorrect information provided the creditor. They tell you to check your credit report at lease once a year for a reason. And you should.

Answer 3

They should send you material proof or change it.

Answer 4

Yes, it can be FAXed to you.