15 USC § 1681i – Procedure in Case of Disputed Accuracy The credit dispute and reinvestigation process is governed by federal law to ensure that consumers have the right to accurate credit reporting. Here’s how the process works: 1️⃣ Initial Investigation Timeframe When you dispute an item on your credit report, the credit reporting agency (CRA) has 30 days (or up to 45 days if additional information is provided by you) to conduct a reasonable investigation and determine whether the disputed inf