Consumer Report Disputes
If you feel information has not been reported accurately by the Credit Union to a consumer reporting agency, you may dispute that information directly with the Credit Union.
You must send a written dispute notice to:
IU Credit Union
Attn: Lending Center
PO Box 368
Bloomington, IN 47402
Your dispute notice must include:
- Sufficient information to identify the account or other relationship that is in dispute, such as an account number, sub, name, and address.
- Specific information that you are disputing and an explanation of the basis for the dispute
- Enough supporting documentation to substantiate the dispute. On a case-by-case basis, the Credit Union may require the following documentation from you:
- A copy of the relevant portion of the consumer report that contains the allegedly inaccurate information
- A police report
- A fraud or identity theft affidavit
- A court order
- Account statements
IU Credit union will conduct a reasonable investigation of disputes made directly to the Credit Union regarding consumer information within 30 days.
Please note the Credit Union is not required to respond to disputes that relate to the following:
- Your identifying information that appears on a consumer report such as
- Date of birth
- Social Security number
- Telephone numbers
- The identity of past or present employers
- Inquiries or requests for a consumer report
- Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters (unless provided by the Credit Union)
- Information related to fraud alerts or active duty alerts
- Information provided to a consumer reporting agency by another financial institution.
- Disputes submitted by a credit repair organization.