consumer-credit-disputes

Use this skill to help a consumer file a LAWFUL Fair Credit Reporting Act (FCRA) dispute directly with the credit reporting agencies — the step that actually triggers the reinvestigation duty (15 U.S.C. § 1681i) — and to escalate to regulators AFTER the dispute. Triggers include "dispute my credit report", "how do I dispute", "dispute letter", "609 letter", "611 dispute", "method of verification", "e-OSCAR", "certified mail dispute", "the bureau verified it", "reinvestigation", "identity theft block", "block this fraud account", "605B", "human trafficking block", "CFPB complaint", "bona fide error", "credit repair company", "restart my disputes". Core rule: a regulator complaint alone is NOT an FCRA dispute — the dispute must go directly to the CRA (e-OSCAR or certified mail) with documented proof; identity-theft affidavits are wet-ink signed, never eSigned.