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FCRA dispute deadline calculator

Under 15 U.S.C. § 1681i, a bureau generally must complete a reinvestigation within 30 days after receipt. Permitted extensions and qualifying free-disclosure rules may allow 45 days. Results notice generally follows within five business days after completion. A late response does not automatically require deletion.

Date bureau received your disputeRelevant new information was received during the initial period, and the bureau had not already found the information inaccurate, incomplete or unverifiable (possible 15-day extension)

Follow-up date

Tuesday, November 17, 2026

Day 21 — send status inquiry if no response.

FCRA deadline

Thursday, November 26, 2026

Day 30 — bureau must complete reinvestigation.

Review missing results

Friday, November 27, 2026

Check completion, extensions and results-notice timing before deciding on a follow-up.

Want Vindex to track this for you automatically?

Vindex records mailing and confirmed receipt, shows response-window reminders, and provides follow-up drafts for review. Mailing alone does not establish statutory receipt or a violation.

How it works Start with $15 one-time Analyze & Dispute

General information about the FCRA, not legal advice. Deadlines assume calendar days. This calculator does not assume a universal weekend or holiday extension. Confirm the applicable statutory basis, receipt and results-notice dates.