The method
Import, review, build, send, track, parse, escalate. No black box, no hidden actions — you confirm every step that leaves the platform.
Drop your tri-merge PDF. Our deep parser reads Equifax, Experian, and TransUnion columns row-by-row — dates, balances, statuses, and ownership flags — then stores the file in a per-tenant encrypted vault.
Cross-bureau diffing and a rule-based signal engine surface every inconsistency, ranked by severity. Each finding is explained in plain English with the legal basis quoted — FCRA §1681i, §1681s-2, and more.
Factual dispute letters are drafted server-side, bundled with parsed evidence, and held until your review. You see the full packet — letter, report excerpts, ID docs — before anything is dispatched.
Print and mail yourself, or dispatch through our USPS certified mail integration. You get electronic return receipts, tracking numbers, and proof of service on every letter.
Delivery scans, signature events, and bureau milestones sync into an immutable timeline. The 30-day FCRA clock starts on the scan — and the platform tracks it for you.
Drop the bureau's response letter and our AI parser classifies it — verified, updated, deleted, stall, no-investigation, or unclear — then recommends the next legal move with the exact statute.
If the bureau stalled or verified without investigation, the escalation engine drafts round two, a Method of Verification demand, a CFPB complaint, or a direct §623(b) letter to the furnisher — in that order.
Ready when you are
No bureau contact ever happens without your explicit confirmation.
Compliance at a glance
FCRA 15 U.S.C. §1681 · CFPB-informed · Per-tenant isolated data
You direct every action. DisputeIQ prepares packets, sends them on your written authorization, and tracks the response — you remain in control.
DisputeIQ is not a credit repair organization, law firm, or credit bureau. We do not negotiate with creditors or furnishers on your behalf.
Results depend on the accuracy of your reports and the response of each bureau or furnisher. Anyone promising a specific score lift is not telling you the truth.
You have the right to dispute inaccuracies yourself, for free, directly with the credit bureaus. DisputeIQ is a tool that helps you exercise that right with more structure, better documentation, and a clearer audit trail.