source:
  type: regulation
  id: reg-v-1022.41
  authority: 12 CFR §1022.41 — Definitions (Regulation V)
  description: 12 CFR §1022.41 — Definitions.
  coverage_tier: context
obligations:
- id: reg-v-1022.41-full
  canonical_id: reg-v-1022.41-full
  section: 12 CFR §1022.41 — Definitions
  type: reference
  tags:
  - regulator-direct
  - fcra
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1022.41 — Definitions (Regulation V)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1022.41
    snapshot_id: f54f5d4c45ef9178
    fetched_at: '2026-06-17T19:23:00Z'
    content_hash: sha256:a8a3cb329b101b67937770af573fadb67fed64a4eeda7173b2c9988b7862fe42
    paragraph_quote: '§ 1022.41 Definitions. For purposes of this subpart and appendix
      E of this part, the following definitions apply: (a) Accuracy means that information
      that a furnisher provides to a consumer reporting agency about an account or
      other relationship with the consumer correctly: (1) Reflects the terms of and
      liability for the account or other relationship; (2) Reflects the consumer ''s
      performance and other conduct with respect to the account or other relationship;
      and (3) Identifies the appropriate consumer . (b) Direct dispute means a dispute
      submitted directly to a furnisher (including a furnisher that is a debt collector)
      by a consumer concerning the accuracy of any information contained in a consumer
      report and pertaining to an account or other relationship that the furnisher
      has or had with the consumer . (c) Furnisher means an entity that furnishes
      information relating to consumers to one or more consumer reporting agencies
      for inclusion in a consumer report. An entity is not a furnisher when it: (1)
      Provides information to a consumer reporting agency solely to obtain a consumer
      report in accordance with sections 604(a) and (f) of the FCRA; (2) Is acting
      as a “consumer reporting agency” as defined in section 603(f) of the FCRA; (3)
      Is a consumer to whom the furnished information pertains; or (4) Is a neighbor,
      friend, or associate of the consumer , or another individual with whom the consumer
      is acquainted or who may have knowledge about the consumer , and who provides
      information about the consumer ''s character, general reputation, personal characteristics,
      or mode of living in response to a specific request from a consumer reporting
      agency. (d) Integrity means that information that a furnisher provides to a
      consumer reporting agency about an account or other relationship with the consumer:
      (1) Is substantiated by the furnisher ''s records at the time it is furnished;
      (2) Is furnished in a form and manner that is designed to minimize the likelihood
      that the information may be incorrectly reflected in a consumer report; and
      (3) Includes the information in the furnisher ''s possession about the account
      or other relationship that the Bureau has: (i) Determined that the absence of
      which would likely be materially misleading in evaluating a consumer ''s creditworthiness,
      credit standing, credit capacity, character, general reputation, personal characteristics,
      or mode of living; and (ii) Listed in section I(b)(2)(iii) of appendix E of
      this part.'
  judgment: false
