Except as otherwise specified, the amendments made by this Act shall take effect 2 years after the date of the enactment of this Act. I Fixing the dispute process 101. Establishes a new right to appeal disputes completed by consumer reporting agencies and furnishers (a) In general Section 611(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i(a) ) is amended to read as follows: (a) Reinvestigations of disputed information by a consumer reporting agency (1) Reinvestigations required (A) In general Subject to subsection (f), if the completeness or accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency (either directly or indirectly through a reseller or an authorized third party) of such dispute, the agency shall, free of charge— (i) conduct a reasonable reinvestigation using the process described in paragraph (3) to determine whether the disputed information is inaccurate, incomplete, or cannot be verified