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Is a consumer disclosure file under FCRA Section 609(a)(1) simply just a copy of my recent credit report?
Or does this give the full history of an account dating back to day 1 that it was entered onto my credit report?
I have something that's been reaged and put back onto my report 3 x over the past 20 years
But every time i try and dispute it, they keep telling me it's valid
The creditor keeps saying they can legally do it as well.
We need to know who "something" is. Please list out who and the details.