Can a consumer bring an inquiry to the lender instead of the credit bureau?
Yes. In fact CBA encourages you to foster a relationship with your borrowers where they come to you first to question any credit information related to their loan on their credit report. This will give you an opportunity to correct mistaken data and/or clarify with your borrower why the information is correct. If you need to correct information on a specific borrower between monthly reports, you can send a Midmonth Correction Metro2 file with just information on that borrower. However, if a borrower is not satisfied with your response to their inquiry, they still have the right to dispute the information with the credit bureau.
