Fair Credit Reporting: 4.5.3.3 Investigation Required If Information Is Incomplete or Not Updated
The FCRA provides a right of reinvestigation where the consumer disputes the “completeness or accuracy” of any item in a file.1401 Obviously, the term “completeness” implies more than just accuracy, so that the consumer has a right to require reinvestigation if information relevant to an item is not included in the file.1402 However, the Fifth Circuit has held that the right to a reinvestigation is not triggered if the consumer disputes the absence of a specific acc