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remedy · p2026-09-06-005 · validated

FCRA reinvestigation right, measured by the FTC's national credit report accuracy study

One in five consumers had an error that was corrected by a credit reporting agency
tech
credit-scorecards
acts on
errors in the bureau data a scorecard scores, with no way to see or correct them
the remedy
FCRA reinvestigation right, measured by the FTC's national credit report accuracy study
from
2012-12
region
US
people
1,001 study participants reviewing 2,968 reports (2013-02-11)
effect
20 percent (2013-02-11) — one in five consumers had an error corrected by a credit reporting agency after disputing it; slightly more than one in ten saw their score change as a result
source kind
primary
the statistic
FTC, 11 February 2013: of 1,001 participants who reviewed 2,968 credit reports, one in four found errors that might affect their scores, one in five had an error corrected after dispute, and slightly more than one in ten saw a score change.
source
https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms
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

  1. 2026-09-06T09:39:47-04:00 · validatorpass — quote found on the fetched page (exact match; HTTP 200 text/html; charset=UTF-8)
The proposal as it arrived (JSON)
{
 "id": "p2026-09-06-005",
 "received": "2026-09-06T09:39:39-04:00",
 "proposer": "researcher (opus), brief 2026-09-06, era-1930-1989",
 "kind": "remedy",
 "sha": "0d7fda2c8b357ea5",
 "data": {
  "kind": "remedy",
  "on_tech": "credit-scorecards",
  "on": "errors in the bureau data a scorecard scores, with no way to see or correct them",
  "name": "FCRA reinvestigation right, measured by the FTC's national credit report accuracy study",
  "from": "2012-12",
  "region": "US",
  "people": {
   "n": 1001,
   "unit": "study participants reviewing 2,968 reports",
   "date": "2013-02-11"
  },
  "effect": {
   "n": 20,
   "unit": "percent",
   "date": "2013-02-11",
   "what": "one in five consumers had an error corrected by a credit reporting agency after disputing it; slightly more than one in ten saw their score change as a result"
  },
  "statistic": "FTC, 11 February 2013: of 1,001 participants who reviewed 2,968 credit reports, one in four found errors that might affect their scores, one in five had an error corrected after dispute, and slightly more than one in ten saw a score change.",
  "source": "https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms",
  "quote": "One in five consumers had an error that was corrected by a credit reporting agency",
  "source_kind": "primary"
 },
 "from_file": "impacts/harvest/2026-09-06-era-1930-1989.md"
}