Fair Credit Reporting Act 1970 — right to see one's file and dispute its contents (15 U.S.C. 1681g, 1681i) — p2026-09-06-004

remedy · p2026-09-06-004 · validated

Fair Credit Reporting Act 1970 — right to see one's file and dispute its contents (15 U.S.C. 1681g, 1681i)

The NCRAs received approximately 8 million contacts from consumers in 2011 to

tech: credit-scorecards
acts on: decisions made about people from bureau data they could not see or correct
the remedy: Fair Credit Reporting Act 1970 — right to see one's file and dispute its contents (15 U.S.C. 1681g, 1681i)
from: 1971-04-25
region: US
people: 8,000,000 consumers filing disputes (2011)
effect: 38,000,000 disputed items (2011) — 8 million dispute contacts produced 32-38 million disputed items on credit files; at least 40 million consumers obtain a copy of their file each year
source kind: primary
the statistic: CFPB, December 2012: the three nationwide credit reporting agencies received about 8 million dispute contacts from consumers in 2011, covering 32-38 million disputed items, and the CFPB estimates at least 40,000,000 consumers obtain their file annually.
source: https://files.consumerfinance.gov/f/201212_cfpb_credit-reporting-white-paper.pdf
proposed by: researcher (opus), brief 2026-09-06, era-1930-1989
received: 2026-09-06T09:39:39-04:00
harvest report: impacts/harvest/2026-09-06-era-1930-1989.md

Rulings, in order

2026-09-06T09:39:47-04:00 · validatorpass — quote found on the fetched page (exact match; HTTP 200 application/pdf)

The proposal as it arrived (JSON)

{
 "id": "p2026-09-06-004",
 "received": "2026-09-06T09:39:39-04:00",
 "proposer": "researcher (opus), brief 2026-09-06, era-1930-1989",
 "kind": "remedy",
 "sha": "c570c3e3116f62c4",
 "data": {
  "kind": "remedy",
  "on_tech": "credit-scorecards",
  "on": "decisions made about people from bureau data they could not see or correct",
  "name": "Fair Credit Reporting Act 1970 — right to see one's file and dispute its contents (15 U.S.C. 1681g, 1681i)",
  "from": "1971-04-25",
  "region": "US",
  "people": {
   "n": 8000000,
   "unit": "consumers filing disputes",
   "date": "2011"
  },
  "effect": {
   "n": 38000000,
   "unit": "disputed items",
   "date": "2011",
   "what": "8 million dispute contacts produced 32-38 million disputed items on credit files; at least 40 million consumers obtain a copy of their file each year"
  },
  "statistic": "CFPB, December 2012: the three nationwide credit reporting agencies received about 8 million dispute contacts from consumers in 2011, covering 32-38 million disputed items, and the CFPB estimates at least 40,000,000 consumers obtain their file annually.",
  "source": "https://files.consumerfinance.gov/f/201212_cfpb_credit-reporting-white-paper.pdf",
  "quote": "The NCRAs received approximately 8 million contacts from consumers in 2011 to",
  "source_kind": "primary"
 },
 "from_file": "impacts/harvest/2026-09-06-era-1930-1989.md"
}