Is it true that recipients of notices about address discrepancies have no obligation to act on those notices?

• A. True
• B. Not specified
• C. Only for residents of certain states
• D. False

Answer: (D)

Address discrepancy notices exist to keep a consumer’s address accurate across the credit reporting system. When a notice shows a mismatch between the address on file at the credit bureau and the furnisher’s records, the consumer is expected to respond to verify or correct the address. Acting on the notice helps ensure lenders and the credit bureau send communications to the right place and keep the credit file up to date, protecting against misdirected mail and potential identity issues. If you ignore the notice, the discrepancy can stay unresolved and the file may not be updated properly. This obligation applies broadly and is not limited to residents of certain states or unspecified.