How you are managing your credit obligations is reported to credit reporting agencies by Furnishers. Furnishers are creditors, banks and organizations that have information about your credit activities. The Fair Credit Reporting Act requires Furnishers to have proper procedures in place to report that information to credit reporting agencies accurately. Furnishers are required to conduct investigations of possible inaccuracies once notified by a credit reporting agency that a consumer has disputed something on a credit report. Pine Street Legal can assist you in identifying inaccuracies on your credit report and in preparing a dispute letter that will begin the investigation process.