Credit bureau reporting
Credit Reporting
- 01
What it is.
Reporting account information to the national consumer reporting agencies on a client’s behalf, and answering every dispute that comes back. It is optional, it is client-authorized, and it is never the first thing that happens to an account. Capital Review Management furnishes only under an executed furnisher agreement and written client authorization for the portfolio. Every control on this page is operational now, and 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
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 an executed agreement with that bureau and written client authorization
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, Suite 200, 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.
Reporting itself is optional and client-authorized: a client who does not authorize furnishing has nothing reported. Every other request a consumer can make is on our Consumer Rights page.