Q: Who has to provide documentation when consumer is disputing inaccurate information on credit report
There are a number of online resources on this. Here is link to a resource page from NYS Department of State, Division of Consumer Protection:
In it, you'll find a paragraph:
"HOW TO CORRECT INFORMATION ON YOUR CREDIT REPORT - If you believe that your credit report contains incomplete or incorrect information, you have the right to ask that the information be corrected. To dispute information in your credit report... "
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