The CRA is required to send a Notice of Results of Reinvestigation to the consumer no later than 5 business days after conclusion of the period for reinvestigation.
That requirement is imposed directly on the CRA, and CK notice is irrelevant.
The CRA is required to send the formal Notice of Results of Reinvestigation in written form to the consumer UNLESS the consumer has explicitly authorized the CRA to send the Notice of Results via electronic transmission.
In either event, the CRA must initiate the sending of the Notice of Results.
It is not the responsibility of the consumer to contact the CRA, such as by sending a view request or waiting for notice from a third party vendor, such as CK.
Lack of specific transmission of the Notice of Results to the consumer, either in written or authorized electronic alternative form, within 5 business days after conclusion of the (normally 30-day) period for reinvestigation, is a clear violation of the FCRA.
You can bring civil action for any such violation, and/or file a formal complaint with the CFPB.
