What action follows the CRA sending a notice of a dispute to a furnisher?

The appropriate action that follows the Consumer Reporting Agency (CRA) sending a notice of a dispute to a furnisher is for the furnisher to conduct an investigation. Under the Fair Credit Reporting Act (FCRA), when a consumer disputes the accuracy of information in their credit report, the CRA is obligated to notify the furnisher of the disputed information. Once notified, the furnisher has a legal responsibility to investigate the claim to determine whether the information is indeed accurate or needs to be corrected.

This process is fundamental to the FCRA's goal of ensuring the accuracy and integrity of consumer credit information. The furnisher must review the information in question, validate its accuracy, and report back to the CRA with the results of their investigation, which may lead to updates being made to the consumer's credit report if inaccuracies are found.

The other options describe actions that do not align with the legal requirements set forth by the FCRA. Modifying information unilaterally without investigation, disregarding the dispute entirely, or requiring the consumer to withdraw their dispute are not permissible under the established framework of the law. This structure aims to protect consumers' rights and ensure that disputations are taken seriously and addressed accurately.