Account Information Disputed by Consumer Meets FCRA Requirements
"Account information disputed by consumer meets FCRA requirements" means the bureau completed its investigation and found no errors, or corrected the information. The remark itself does not affect your credit score, but if you still disagree with the findings, you can resubmit the dispute, contact the creditor directly, or file a complaint with the CFPB.
Answer Debt LawsuitThe Fair Credit Reporting Act protects you from inaccurate credit reporting. You can dispute any mistake you find on your credit report. Contesting an error matters because your report affects borrowing, home buying, and employment.
Launching a dispute with major credit bureaus is relatively simple. You must track what happens next. The agency should complete its investigation within 30 days.
Debt Collectors Suing You Over Disputed Accounts?
You have rights under the FCRA. Our partner Solo helps you respond to debt lawsuits and negotiate settlements within your deadline. File your Answer and protect your credit.
Respond to Lawsuit NowWhen the analysis finishes, you may see “meets FCRA requirements” next to the disputed account. What does this statement mean? How does it affect your credit? You deserve clear answers.
The FCRA Requires Accurate Credit Reporting
Credit bureaus cannot report false information about you. Doing so can damage your financial health. Your responsibility is ensuring your file contains accurate, current information.
When you report an error, the agency must act quickly. The FCRA sets a 30-day time limit. You will receive a confirmation number to track developments.
Use these addresses to dispute errors in your report.
Credit Reporting Dispute Addresses
| Experian | Equifax | TransUnion |
|---|---|---|
| P.O. Box 9701 Allen, TX 75013 Online: Experian |
P.O. Box 740256 Atlanta, GA 30374-0256 Online: Equifax |
P.O. Box 2000 Chester, PA 19016 Online: TransUnion |
You may need to provide additional documents and personal information. The bureau has 30 days from filing to rectify, delete, or confirm the entry.
Note: Recent account activity takes time to appear on your file. If you recently reduced a debt balance, wait a month before checking.
Facing a debt lawsuit? Our partner Solo helps you respond to debt collectors and settle for less.
What “Account Information Disputed by Consumer Meets FCRA Requirements” Means
After filing a dispute, you must wait for investigation results. You need to understand any remarks a creditor adds.
The notation “account information disputed by consumer meets FCRA requirements” has two meanings:
- The bureau found no errors in the account
- They revised the information, which is now correct
The bureau is confirming they conducted an analysis. They found nothing inaccurate, unfair, or false. Or they corrected the information.
Example Scenario
Top Credits entered an inaccurate debt on Brian’s credit report. They showed he owed $980. Brian knew he had been paying regularly and only owed $230.
He filed a dispute with all three credit bureaus. They launched an investigation. Three weeks later, he saw the “meets FCRA requirements” entry from Equifax.
On checking details, Brian discovered he had accrued service charges. He had also missed three monthly payments he forgot about.
Do Credit Report Dispute Remarks Affect Credit Scores?
The answer depends on the type of remark. An account under investigation is hidden from your FICO score. It does not contribute to your credit calculation during the dispute.
If the disputed account is derogatory, your score may increase temporarily. If it is positive, the dispute may lower your score pending resolution.
What about the “meets FCRA requirements” statement? The remark itself does not interfere with your credit.
However, suppose you disputed a derogatory entry. The bureau now says nothing is wrong. You may notice a drop in your score.
You may see an “in dispute” remark without launching any complaints. Contact the bureau and creditor immediately to remove the comment.
You can only correct mistakes if you monitor your report. All bureaus allow you free annual access to your files.
The creditor saying information meets FCRA requirements does not make it true. If you still disagree, you can take action.
Your Next Steps If You Disagree
You have several options if you believe the investigation was wrong:
- Resubmit the dispute with additional documentation
- Speak directly with the creditor about your concerns
- File a complaint with the Consumer Financial Protection Bureau
- Contact our partner Solo for help negotiating with collectors
The CFPB can help resolve issues creditors refuse to handle properly. You have rights under federal law.
How to Protect Your Credit Report
Regular monitoring prevents credit report errors from damaging your finances. Check your report from all three bureaus annually.
Review every account carefully. Look for incorrect balances, accounts you did not open, and outdated information.
Document everything when you file a dispute. Keep copies of all correspondence. Track confirmation numbers and deadlines.
If debt collectors sue you, respond within the deadline. Our partner Solo makes it easy to file your Answer and negotiate settlements.
Acting quickly protects your credit score. Ignoring errors or lawsuits makes problems worse.