What happens after the furnisher provides the investigation results to the CRA?

The correct answer is that the CRA adjusts the information as per the results provided by the furnisher after the investigation. Under the Fair Credit Reporting Act (FCRA), once a furnisher conducts an investigation regarding a disputed item on a consumer's credit report, they must report their findings back to the Credit Reporting Agency (CRA). If the investigation results in a determination that the information is inaccurate, the CRA is then responsible for correcting this information in the consumer's credit report, ensuring that the report accurately reflects the correct data.

This process is an essential aspect of the FCRA, as it is designed to ensure that consumers have access to accurate and fair information regarding their credit history. The CRA plays a pivotal role in maintaining the integrity of credit reporting by making necessary adjustments based on valid investigations from furnishers, thereby enhancing consumer protection and transparency in credit reporting practices.