The CFPB recently published a new report, “Disputes on Consumer Credit Reports.” Using data on auto loan, student loan, general purpose credit card, and retail card accounts opened between 2012 and 2019, the report looks at the demographic characteristics of disputers and the outcomes for accounts with dispute flags. The report is yet another signal of a likely CFPB focus on potential violations of anti-discrimination laws not only by servicers of mortgage loans, but also by servicers of all types of consumer credit accounts.
The report’s key findings are:
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