[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-252952-105":53,"doc-detail-252952-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","week-9-spokeo-orlta-fair-credit-reporting-act-claim-elements","Week-9 – Spokeo / ORLTA - Fair Credit Reporting Act Claim Elements","","Week 9 session notes for Spokeo/ORLTA focus on the Fair Credit Reporting Act (FCRA) and dispute-reinvestment obligations. The agenda outlines duties of consumer reporting agencies (CRAs) and furnishers when a consumer provides notice of dispute, emphasizing enforceability through private right of action for certain reinvestigation duties. The notes specify timelines for CRA responses to disputes, notice requirements for frivolous disputes, and the requirement to investigate, review relevant information, and delete incorrect credit data within set periods. Key claim elements, citations to 15 U.S.C. sections, and the annual credit report request process and form requirements are included.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/week-9-spokeo-orlta-fair-credit-reporting-act-claim-elements/252952/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/week-9-spokeo-orlta-fair-credit-reporting-act-claim-elements/252952.png","ImageObject",442,249,{"name":88,"@type":89},"Caleb Sterling","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-13",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What part of CRAs’ reinvestigation duties can be enforced through a private right of action under the FCRA?","Question",{"text":109,"@type":110},"Reinvestigation duties after a consumer sends notice of dispute to a CRA are enforceable by private right of action, along with federal or state agencies, under the notes’ summary.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How quickly must a CRA provide relevant information to the furnisher after receiving a dispute?",{"text":114,"@type":110},"Within 5 business days after receiving a dispute, the CRA must provide all relevant information regarding the dispute to the furnisher, referenced in the notes as an “ACDV form.”",{"name":116,"@type":107,"acceptedAnswer":117},"What is the process and timeline for getting an annual credit report using the request form?",{"text":118,"@type":110},"The notes state you can get a free disclosure once every 12 months, and the request will be processed within 15 days of receipt and then mailed. The form requires complete personal information and mailing instructions, including submitting in a #10 envelope.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},252952,1790172842,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":25},962084925290,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","Week 9 – Spokeo / ORLTA  \n5:30 Today’s agenda  \nCredit report disputes Spokeo opinion  \nNapolski opinion  \n6:00 Break  \nGuest Speaker Marcel Gesmundo  \n7:20 Next Week  \nWeek 9 – Spokeo / ORLTA  \n5:30 Today’s agenda  \nCredit report disputes Spokeo opinion  \nNapolski opinion  \n6:00 Break  \nGuest Speaker Marcel Gesmundo  \n7:20 Next Week  \nAnnouncements  \nOTLA Consumer Section Meeting March 12 – 12pm to 1pm Downtown OTLA Office  \nFBA Lunch CLE – Judge Anna Brown March 15 –12pm to 1pm Portland Federal Courthouse  \nOSB Consumer Section Meeting March 21 – 12pm to 1pm Downtown DOJ Building  \nAnnouncements  \nConsumer Law Focus Group April 2 – 6pm to 9pm  \nUS Bancorp Tower  \nSpring Course Evaluations April 12 – 5:30pm Class – Bring Laptop  \nWeek 9 – Spokeo / ORLTA  \n5:30 Today’s agenda  \nCredit report disputes Spokeo opinion  \nNapolski opinion  \n6:00 Break  \nGuest Speaker Marcel Gesmundo  \n7:20 Next Week  \nWeek 9 – Spokeo / ORLTA  \n5:30 Today’s agenda  \nCredit report disputes  \nSpokeo opinion  \nNapolski opinion  \n6:00 Break  \nGuest Speaker Marcel Gesmundo  \n7:20 Next Week  \nClass Break Over  \nFair Credit Reporting Act Private Right of Action  \n■ Duties of CRAs and furnishers toreinvestigate after a consumer sends notice of dispute to a CRA are enforceable by private right of action and federal or state agencies.  \n15 U.S.C. § 1681s-2(b) .  \n■ General duties regarding the initial furnishing of accurate credit information are only enforceable by federal or state agencies. 15  \nU.S.C. § 1681s-2(a), (c) .  \nFair Credit Reporting Act  \nClaim Elements  \n■ Within 5 business days after receiving a dispute, a CRA must provide all relevant information regarding the dispute (an “ACDV form”) to the furnisher. 15  \nU.S.C. § 1681i(a)(2) .  \n■ If a CRA determines a dispute is frivolous, it must notify the consumer within 5 business days. 15  \nU.S.C. § 1681i(a)(3) .  \n■ Within 30 days after receiving a dispute, CRAs and furnishers must investigate, review all relevant information, and delete any incorrect credit information. 15 U.S.C. § 1681s-2(b); i (a) . Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 (9th Cir. 2009) .  \n■ A CRA must provide reinvestigation results to a consumer within 5 business days. 15 U.S.C. § 1681i(a)(6) .  \nAnnual Credit Report Request Form  \nYou have the right to get a free copy of your credit file disclosure, commonly called a credit report, once every 12 months, from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.  \nFor instant access to your free credit report, [visit www.annualcreditreport.com](visit www.annualcreditreport.com).  \nFor more information on obtaining your free credit report, visit [www.annualcreditreport.com](www.annualcreditreport.com) or call 877-322-8228.  \nUse this form if you prefer to write to request your credit report from any, or all, of the nationwide consumer credit reporting companies. The following information is required to process your request. Omission of any information may delay your request. Once complete, fold (do not staple or tape), place into a \\#10 envelope, affix required postage and mail to:  \nAnnual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281.  \n\n|  | Please use a Black or Blue Pen and write your responses in PRINTED CAPITAL LETTERS without touching the sides of the boxes like the examples listed below:\u003Cbr>|  |  |  |\n| --- | --- | --- | --- | --- |\n|  | Social Security Number: |  | Date of Birth: |  |\n|  | \u003Cbr>-\u003Cbr>\u003Cbr>- |  | \u003Cbr>/  /\u003Cbr> |  |\n|  |  |  | Month Day Year |  |\n|  | Fold Here  Fold Here\u003Cbr>First Name M. I.\u003Cbr>Last Name JR, SR, III, etc.\u003Cbr>Current Mailing Address:\u003Cbr>\u003Cbr>|  |  |  |\n|  |  |  |  |  |\n|  | House Number Street Name\u003Cbr> |  |  |  |\n|  | Apartment Number / Private Mailbox For Puerto Rico Only: Print Urbanization Name\u003Cbr>City State ZipCode\u003Cbr>|  |  |  |\n\nHouse Number Street Name  \n Fold Here  Fold Here  \nPrevious Mailing Address (complete only if at current mailing address for less than two","cbCaid5NSrKZS8xA","https://ap.wps.com/l/cbCaid5NSrKZS8xA","pdf",2562002,42,"English","# Week 9 – Spokeo / ORLTA\n## Today’s agenda\n## Credit report disputes\n## Break\n## Guest Speaker Marcel Gesmundo\n## Next Week\n## Fair Credit Reporting Act private right of action\n### Duties of CRAs and furnishers\n### Claim elements and timelines\n## Annual Credit Report Request Form","[{\"question\":\"What part of CRAs’ reinvestigation duties can be enforced through a private right of action under the FCRA?\",\"answer\":\"Reinvestigation duties after a consumer sends notice of dispute to a CRA are enforceable by private right of action, along with federal or state agencies, under the notes’ summary.\"},{\"question\":\"How quickly must a CRA provide relevant information to the furnisher after receiving a dispute?\",\"answer\":\"Within 5 business days after receiving a dispute, the CRA must provide all relevant information regarding the dispute to the furnisher, referenced in the notes as an “ACDV form.”\"},{\"question\":\"What is the process and timeline for getting an annual credit report using the request form?\",\"answer\":\"The notes state you can get a free disclosure once every 12 months, and the request will be processed within 15 days of receipt and then mailed. The form requires complete personal information and mailing instructions, including submitting in a #10 envelope.\"}]","Week-9 – Spokeo / ORLTA - Fair Credit Reporting Act Claim Elements | PDF",1789263579]