Credit bureau reporting
Credit Reporting
- 01
What it is.
Capital Review Management is an approved data furnisher to Experian, a nationwide consumer reporting agency. Credit reporting means reporting account information to Experian on a client’s behalf, and answering every dispute that comes back. It is optional, it is client-authorized for each portfolio, and it is never the first thing that happens to an account. Every control on this page applies from the first file we furnish.
- 02
What the law requires.
A furnisher owes accuracy at the moment of reporting and for as long as the information stands. Regulation F bars furnishing anything to a consumer reporting agency before the validation notice has gone out. Regulation V requires written policies and procedures on accuracy and integrity, not merely an intention to be accurate.
15 U.S.C. § 1681s-2 · 12 C.F.R. § 1006.30(a) · 12 C.F.R. § 1022.42 & App. E - 03
How we work inside it.
Nothing is furnished until an executed furnisher agreement is in place with that bureau and the client has authorized reporting for the portfolio. Every account passes a 30-day pre-reporting verification window first. Disputed accounts carry the dispute notation for as long as the dispute stands, and a deleted account is deleted — not re-reported under a new date. Portfolios authorized for credit reporting are typically placed with us for extended resolution periods — reporting follows the account through its full placement window.
15 U.S.C. § 1681s-2(a)(3) · (a)(5) · (a)(8) - 04
Your rights when an account is reported.
You can dispute anything we report — with us directly, in writing, or with Experian (experian.com/disputes, or Experian, P.O. Box 4500, Allen, TX 75013). Either way the dispute is investigated and the account shows as disputed while it is open. You can get your credit reports free at AnnualCreditReport.com. A collection account may stay on a credit report for no more than seven years, counted from 180 days after the original delinquency began — paying it or settling it does not restart that clock. When you pay or settle, we update what we report on the next monthly cycle. If an account is the result of identity theft, send us or Experian an identity theft report and it is blocked. The CFPB publishes A Summary of Your Rights Under the Fair Credit Reporting Act at consumerfinance.gov.
15 U.S.C. §§ 1681i, 1681j, 1681c(a)(4) & (c), 1681c-2, 1681s-2(a)(2), (a)(3), (a)(6), (a)(8) · 12 C.F.R. § 1022.43 - 05
Why we do it.
Accurate reporting is the record a consumer will live with for years, and an inaccurate line on a credit file is the single fastest route to a CFPB complaint, a bureau audit, and the loss of furnishing access. Reporting carefully is how the access stays.
01 Compliance
Compliance Controls
No furnishing before the validation notice has been sent
No furnishing without our Experian furnisher agreement and written client authorization for the portfolio
Date of first delinquency reported as the original creditor established it — never re-aged
Information a consumer identifies as identity theft, with an identity theft report, is not furnished
30-day pre-reporting verification window on every account
Accounts submitted in Metro 2 format with complete, current status
Disputed accounts reported as disputed for as long as the dispute stands
Direct disputes investigated and answered, with results reported back
Indirect disputes received and answered as ACDVs through e-OSCAR, on the same standard
Deletions and corrections transmitted promptly, and not re-reported
Bankruptcy, fraud, deceased and identity-theft flags suppress reporting on receipt
Written accuracy and integrity policies, reviewed and updated
Dispute investigations completed inside the statutory 30-day period
Account status updated on the monthly reporting cycle
Data transmitted over encrypted channels, access role-restricted
State-specific reporting restrictions applied
The framework behind these controls, and our licensing and bonding, are on our Compliance page →
02 Limits
What We Never Do
Report an account we have not verified
Report an account still inside the validation period
Omit the dispute notation from an account a consumer has disputed
Re-age a delinquency or restate the date of first delinquency
Re-report an account that has been deleted
Threaten credit reporting as leverage, or misstate its effect
Furnish for any portfolio the client has not authorized in writing
What a consumer can ask us to do — including disputing an account — is on Consumer Rights →
Where to send a direct dispute
A consumer may dispute the accuracy of furnished information with us directly, in writing, rather than through a bureau. Direct disputes go to Capital Review Management, LLC, Attn: Credit Reporting Disputes, 600 River Pointe Drive #201-11, Conroe, TX 77304 — a mailbox scanned daily. Identify the account and the specific information you believe is inaccurate, and include any documents that support it. We investigate and respond inside the statutory period, and the same people answer disputes that arrive through the bureaus, so a consumer gets one answer rather than two.
You may also dispute with Experian directly at experian.com/disputes. Reporting itself is optional and client-authorized: a portfolio whose client has not authorized furnishing has nothing reported. Every other request a consumer can make is on our Consumer Rights page.