CREDIT DISPUTE QUESTION........JUST WONDERING.......What are the real laws involved?........ (credit report, company)

[deeds]

Have a credit dispute.........reported it........the credit company says they have 45 days to investigate the dispute as oppossed to the 30 day investigation.......They say the reason is because it was an ANNUAL FREE credit report so that entitles them as a company to have 45 days instead of 30 days to investigate dispute........

[James1202]

Whether they have 30 or 45 days, what's the harm?