DISPUTE
COMMAND

Primary sources

Last updated: Sources checked: September 2026

Every claim on Dispute Command traces to a source on this list, or to another primary source named on the page where the claim appears. These are the places to check anything you read here.

Law and regulation

Topic Source
Fair Credit Reporting Act, full text Cornell LII: 15 U.S.C. 1681
Reporting periods (section 605) 15 U.S.C. 1681c
Identity theft blocks (section 605B) 15 U.S.C. 1681c-2
Disclosures to consumers (section 609) 15 U.S.C. 1681g
Disputes and reinvestigation (section 611) 15 U.S.C. 1681i
Free reports (section 612) 15 U.S.C. 1681j
Furnisher duties (section 623) 15 U.S.C. 1681s-2
Direct disputes (Regulation V) 12 CFR 1022.43
Debt collection (Regulation F) 12 CFR 1006.34

Agencies

Topic Source
Consumer rights and dispute guidance CFPB: credit reports and scores
Complaints CFPB: submit a complaint
Dispute steps and sample letters FTC: disputing errors on your credit reports
Credit repair guidance FTC: credit repair, how to help yourself
Free credit reports AnnualCreditReport.com
Identity theft reports and recovery IdentityTheft.gov
Medical debt reporting Congressional Research Service: IF12169

Credit bureaus

Bureau Dispute page
Equifax equifax.com: credit dispute
Experian experian.com: disputes
TransUnion dispute.transunion.com

Scores (supporting content only)

Topic Source
What is in a credit score myFICO: what is in your credit score

Finding an attorney

Topic Source
Consumer attorneys National Association of Consumer Advocates

How these are used

Statute links go to Cornell’s Legal Information Institute. The FCRA section pages match the section numbers people use to the U.S. Code numbers. See the editorial policy for how pages are written and re-checked.

Sources

Next steps

  • Editorial policy

    How Dispute Command pages are written and kept current: primary sources first, labeled hypotheticals, dated checks, corrections, and what we will not publish.

  • The Fair Credit Reporting Act, section by section

    The five FCRA sections that matter for disputes (605, 605B, 609, 611, 623) in plain English, with the U.S. Code citation and a link to the official text.

  • Credit report dispute guides

    Every Dispute Command guide in one place: reading reports, finding errors, filing disputes, negative item timelines, and what to do when a dispute is rejected.