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FCRA dispute deadline calculator

Under 15 U.S.C. § 1681i(a)(1)(A), credit bureaus have 30 days to complete a reinvestigation after receiving your dispute — extended to 45 days if you send additional supporting documents during the window. Miss the deadline, and the disputed item must be deleted.

Date bureau received your disputeI sent additional documents after the initial dispute (45-day window applies)

Follow-up date

Wednesday, August 19, 2026

Day 21 — send status inquiry if no response.

FCRA deadline

Friday, August 28, 2026

Day 30 — bureau must complete reinvestigation.

Escalate to CFPB

Saturday, August 29, 2026

Missed deadline = item must be deleted. File CFPB complaint.

Want Vindex to track this for you automatically?

When you dispute through Vindex, we start the timer, remind you at day 21, and auto-draft the CFPB escalation letter if the bureau misses the deadline.

How it works Start a dispute — from $15

General information about the FCRA, not legal advice. Deadlines assume calendar days. If day 30/45 falls on a weekend or federal holiday, the deadline extends to the next business day under standard statutory-computation rules.