disputes_deadlines
Lists open credit-report disputes with their statutory response deadlines, days remaining, overdue status, and next action so you can track agency and furnisher response requirements.
Instructions
Open disputes (draft, sent, response_received) with the statutory response deadline for each. An agency must reinvestigate within 30 days of receiving the dispute, 15 U.S.C. 1681i(a)(1)(A) (https://www.law.cornell.edu/uscode/text/15/1681i). A furnisher must report results before that period ends, 15 U.S.C. 1681s-2(a)(8)(E)(iii) and (b)(2) (https://www.law.cornell.edu/uscode/text/15/1681s-2). Counted from the sent date you recorded, so the real date is the same or later. Returns days remaining, an overdue flag (past the 30-day date), the next action, and the facts the tool cannot know (the start of the clock, the 15-day extension, a furnisher's extension). Not legal advice. Set as_of (YYYY-MM-DD) to check another day. Page with offset=<next_offset>.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| as_of | No | ||
| limit | No | ||
| offset | No |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| as_of | Yes | ||
| sources | Yes | ||
| disputes | Yes | ||
| has_more | Yes | ||
| disclaimer | Yes | ||
| open_total | Yes | ||
| next_offset | No | ||
| overdue_total | Yes |