Add each dispute you've filed. The tracker automatically calculates the credit bureau's 30-day investigation deadline, your 2-year SOL window, and every other critical date — so you never miss a deadline.
Tip: Use the date you mailed your dispute letter (certified mail) or submitted it online. Your deadlines run from that date.
Add your first dispute above. The tracker will calculate every FCRA deadline automatically.
Send certified mail or submit online. Save proof of date — this starts every clock.
Under § 1681i(a)(1), the CRA must complete its investigation within 30 days of receiving your dispute. Extended to 45 days if you provide additional information during the investigation.
Within 5 business days of completing its investigation, the CRA must send you the results in writing under § 1681i(a)(6).
You have 2 years from when you discovered the violation (or 5 years from the violation itself, whichever is earlier) to file suit under § 1681p.
A failure to complete a dispute investigation within 30 days is a potential FCRA violation worth $100–$1,000 in statutory damages per willful violation under 15 U.S.C. § 1681n. If any of your disputes show an overdue response, consult a consumer protection attorney immediately — your case may already be strong.
If your tracked dispute shows the bureau didn't respond within 30 days, you may already have a strong FCRA claim. Talk to a consumer protection attorney — free, no upfront cost.