Title 15, Commerce and TradeRelease 119-110

§1666a Regulation of Credit Reports

Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER I — CONSUMER CREDIT COST DISCLOSURE › Part D — Credit Billing › § 1666a

Last updated Sep 22, 2026|Official source

Summary

Creditors must not threaten to hurt your credit or report you as late just because you tell them a billing error exists. They also cannot report the disputed amount as delinquent to others until they follow the billing-dispute rules and then give you the same number of days (not less than ten days) after that to pay as your contract gives for undisputed charges. If you send another written notice in time saying the amount is still in dispute, the creditor cannot report you as delinquent unless they also say the amount is disputed and tell you the name and address of everyone they told. If the dispute is later resolved, the creditor must tell those same parties about the result.

Full Legal Text

Title 15, §1666a

Commerce and Trade, Source: USLM XML via OLRC

(a)Reports by creditor on obligor’s failure to pay amount regarded as billing error (b) Reports by creditor on delinquent amounts in dispute; notification of obligor of parties notified of delinquency

After receiving a notice from an obligor as provided in section 1666(a) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor’s credit rating or credit standing because of the obligor’s failure to pay the amount indicated by the obligor under section 1666(a)(2) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days (not less than ten) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

(c)Reports by creditor of subsequent resolution of delinquent amounts

A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection (b) to the parties to whom such delinquencies were initially reported.

Reference

Citations & Metadata

Citation

15 U.S.C. § 1666a

Title 15, Commerce and Trade

Last Updated

Sep 22, 2026

Release point: 119-110