15 U.S.C. § 1681s-2
Responsibilities of furnishers of information
In plain English
Furnishers — banks, lenders, debt collectors and others that report to CRAs — must provide accurate information and must investigate when a CRA forwards a dispute to them, then report the outcome.
Relevant provisions
- § 1681s-2(a) — duty to provide accurate information
- § 1681s-2(b) — duties after receiving notice of a dispute (investigate, report results)
Applicability and limits
Applies to entities that furnish information to consumer reporting agencies. As with § 1681i, this governs accuracy in consumer reporting; it is not a general data-erasure obligation.
Official source
- 15 U.S.C. § 1681s-2 ↗Primary authorityhttps://uscode.house.gov/us/usc/t15/s1681s-2/
Verification: Official U.S. Code (OLRC) URL confirmed reachable on 2026-11-10.
Related authorities
- Reinvestigation of disputed consumer-report information — 15 U.S.C. § 1681i
- Regulation V — Fair Credit Reporting (implementing rule) — 12 C.F.R. Part 1022