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In 1970, Congress created the Fair Credit Reporting Act (FCRA) to protect consumers when dealing with credit bureaus. The FCRA limits who can see a consumer's credit report, mandates how long negative information can remain on a report, and contains a number of identity theft protections. The credit bureaus, which are called "consumer reporting agencies" under the FCRA, are required to follow "reasonable procedures" to ensure the "maximum possible accuracy" of credit reports.
One of the most critical FCRA protections is the consumer's right to dispute errors in his or her credit report. Under the FCRA, both the credit bureaus and the information provider have responsibilities to investigate disputes and correct inaccurate or incomplete information. The provider of information is often referred to as the "furnisher." Furnishers include banks, credit card companies, auto lenders, collection agencies or other businesses.