New Fcra Law 2025 Dispute Letter. A credit report dispute involves you filing a dispute letter with a credit bureau or credit reporting agency (cra), such as experian, transunion, or equifax. Fortunately, you have rights under the fair credit reporting act (fcra) to dispute inaccurate information and get it corrected or removed.

The consumer financial protection bureau (cfpb or bureau) issued a final rule updating, among other things, the model form for the fair credit reporting act (fcra). Under the terms of the fcra, you can file a dispute letter to request that said information is fixed at the earliest opportunity.