P.R. Laws tit. 7, § 2036
(a) General provision. — If any information submitted by an information provider to a credit reporting agency is disputed, the information provider shall:
(1) Conduct a diligent investigation with regard to the disputed information.
(2) Review all the relevant information provided by the consumer or by the credit reporting agency.
(3) Inform the credit reporting agency of the result of the investigation.
(4) If the investigation determines that the information is erroneous, incomplete or inaccurate, he/she shall advise all those credit reporting agencies to whom he/she submitted the information of such results.
(b) The information provider shall complete all the investigation and submit the reports required in subsection (a) of this section before the expiration of the term referred to in subsection (a) of § 2035 of this title to the credit reporting agencies to end the investigation of a dispute.
(c) If the truth or correctness of information submitted by an information provider to a credit reporting agency is controverte[d] with the information provider, by a consumer, the information provider shall not submit the information to any credit reporting agency without including a notation stating that the information has been challenged.
(d) If the information provider determines that he/she submitted incomplete, incorrect or inaccurate information, he/she shall provide the credit reporting agency with the correction or with any necessary additional information and shall not submit any of the information that is still inaccurate, incomplete or erroneous.
History —Sept. 2, 2000, No. 364, § 8; Feb. 8, 2003, No. 74, § 4.