What is the current legal window under the Fair Credit Reporting Act for credit bureaus to investigate and respond to a hard inquiry removal request?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the current legal window under the Fair Credit Reporting Act for credit bureaus to investigate and respond to a hard inquiry removal request?
1 real search · 1 real-search pass
FCRA 15 USC 1681i 30 days 45 days reinvestigation notify consumer five business days CFPB dispute credit report hard inquiryGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
FCRA 15 USC 1681i 30 days 45 days reinvestigation notify consumer five business days CFPB dispute credit report hard inquiry Google ↗
- 15 U.S.C. § 1681i: Procedure in case of disputed accuracy · uscode.house.gov
- How long does it take to repair an error on a credit report? · consumerfinance.gov
- 15 U.S. Code § 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law · law.cornell.edu
- Credit and consumer reporting complaint notice · consumerfinance.gov