{
 "cite": {
  "title": "Denied because of a screening report? The company that scored you owes you a free copy.",
  "url": "https://screeningfacts.com/",
  "publisher": "Axion Labs — Screening Facts",
  "checked": "2026-09-06",
  "source": {
   "name": "CFPB Consumer Complaint Database (public bulk file)",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/"
  },
  "rule": "15 U.S.C. 1681i(a)(1)",
  "license": "free to quote with the URL",
  "dataset": {
   "version": "2026-09-06",
   "fixity": "sha256-2491d5efd60eef26a2fbef7b10ad6a6169ef80e60a2fb7f2a55bfd843a5460fa"
  }
 },
 "query": {
  "company": null,
  "situation": null,
  "state": null
 },
 "resolved": {
  "company": null,
  "situation": null,
  "state": null
 },
 "unresolved": null,
 "company": null,
 "situation": null,
 "clock": {
  "free_report_after_adverse_action_days": 60,
  "investigation_days": 30,
  "investigation_extension_days": 15,
  "investigation_days_if_evidence_added": 45,
  "investigation_45_is_derived": "30 + 15; 45 is not a literal in 15 U.S.C. 1681i(a)(1)",
  "no_statutory_pre_adverse_waiting_period": true,
  "five_day_myth_source": "FTC staff advisory opinion to Weisberg, 27 June 1997 — guidance to employers, not statute, and not enforceable by the applicant",
  "citation": [
   "15 U.S.C. 1681j(b)",
   "15 U.S.C. 1681i(a)(1)",
   "15 U.S.C. 1681m(a)(4)"
  ],
  "source_urls": [
   "https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681j.htm",
   "https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681i.htm"
  ]
 },
 "who_fixes_it": {
  "wrong_record": "the screening company — dispute it under 15 U.S.C. 1681i; it is their file and they have 30 days, 45 if you send more evidence part-way through",
  "wrong_person_checked": "the platform or employer, by ordering a NEW report. A dispute corrects a file; it does not re-run a check. If the input was wrong, the output has to be requested again by whoever requested it",
  "account_still_locked_after_report_cleared": "the platform. The screening company has no access to your account",
  "decision_on_an_accurate_record": "the platform, and it is a business decision, not a legal one. A dispute cannot remove a record that is true"
 },
 "corpus": {
  "coverage": "CFPB published complaint narratives, 2011 - August 14, 2026",
  "complaint_mentions_coverage": "CFPB published complaint narratives, 2011 - August 14, 2026",
  "frozen": true,
  "frozen_since": "2026-08-14",
  "frozen_reason": "The CFPB ceased discretionary publication of complaint narratives on August 14, 2026, so every narrative-derived count on this site is a closed series and will not change. Complaint intake continues, and the per-company outcome table runs on all complaints and is current."
 },
 "outcomes_method": {
  "window": "12 months to 2026-09-08",
  "checked": "2026-09-09",
  "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.",
  "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=<EXACT CFPB STRING>&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false",
  "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures."
 },
 "index": {
  "companies": "https://screeningfacts.com/api/companies",
  "situations": "https://screeningfacts.com/api/situations",
  "everything": "https://screeningfacts.com/api/bulk",
  "human_pages": "https://screeningfacts.com/llms.txt"
 },
 "attribution": "Screening Facts (https://screeningfacts.com) — CFPB Consumer Complaint Database",
 "notice": "Free with attribution — the citation object says how. Building on this endpoint? Write to hello@getaxionlabs.com (a person answers) and tell us the field you need; we build it."
}