Fair Credit Reporting: 4.5.2.4.5 Submit a dispute to all of the nationwide CRAs
An additional, major problem in correcting errors is that the consumer’s file at each nationwide CRA is independent of that at the other nationwide CRAs. While the FCRA does require that furnishers report any errors corrected by their investigations to the other nationwide CRAs,1251 this mechanism cannot be relied upon to correct the error at all of the nationwide CRAs. Therefore, the safest course is to send the dispute to all of the “Big Three” nationwide CRAs—Experian, Trans Union, and Equifax.