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Abstract: The FCRA requires a consumer reporting agency that receives a dispute to investigate it and respond within certain time periods. The consumer reporting agency must also notify the furnisher of the information of the dispute. Whether a furnisher receives a dispute directly from a consumer or indirectly through a consumer reporting agency, the FCRA and Regulation V require the furnisher to investigate the dispute and respond within certain time periods. Consumer complaints to the CFPB reflect how costly, ineffective, and time-consuming the consumer reporting dispute process can be for consumers. The CFPB is considering a rulemaking related to disputes including disputes pertaining to domestic violence and coerced debt.