Always free: a copy of your file, disputes, investigation status, and your legal notices. No subscription required.
Dispute, verify, and resolve, with a paper trail.
Every submission is manually reviewed under a multi-jurisdiction compliant process. You receive a HOD Data ID immediately, watch the case move through each stage in real time, and keep a permanent, immutable audit record of every decision.
No plan, tier, add-on, seat count, service level, or negotiated term sold by Hub or Dub reduces, waives, delays, or circumvents any right afforded to consumers under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), Regulation V (12 C.F.R. Part 1022), or any other applicable federal or territorial law. HOD Enterprise+ is not an exception. Every consumer keeps the same rights to free file disclosure, dispute, reinvestigation, correction, deletion of unverifiable information, notice of adverse action, and a record of who accessed their file, regardless of which plan the requesting party holds or how much that party pays.
Hub or Dub follows reasonable procedures to assure maximum possible accuracy of the information in every HOD Report, as required by FCRA § 607(b). Nothing enters an HOD Score or HOD Report until our Investigation Team verifies it against source evidence. When a consumer disputes an item, we reinvestigate free of charge, generally within 30 days (45 days where the consumer submits additional information during the period), record the results, correct or delete anything that cannot be verified, and notify the consumer in writing. Items deleted or corrected are not reinserted unless the furnisher recertifies accuracy and we notify the consumer.
Your case, stage by stage
- DraftPrepare & attest
- SubmittedSealed to audit ledger
- Under ReviewHuman triage
- DecisionVerified & decided
- ResolvedPermanent audit entry
Sign in to file a dispute
A free Hub or Dub account is required so we can verify your identity, link the dispute to the correct report, and route real-time updates back to you.
Sign in to continueDisputes, Corrections & Takedown Policy
Hub or Dub is a real-time reputation intelligence and consumer reporting platform. HOD Scores are calculated automatically by the system from human-verified evidence and cannot be manually altered by anyone. What can be challenged is the underlying record: any individual or business may dispute information on a HOD Report that is inaccurate, incomplete, outdated, unverifiable, or misattributed, and request correction, investigation, reinvestigation, or, where applicable, takedown. Every request is reviewed by a person, decided against verifiable evidence, and preserved in a permanent audit trail.
You may dispute any item on a HOD Report that you reasonably believe is inaccurate, incomplete, outdated, unverifiable, or associated with the wrong subject. A credible dispute must identify the specific finding and the basis for the challenge. The following grounds are accepted:
- Inaccurate
- A statement of fact is wrong as recorded.
- Incomplete
- Material context is missing, making the finding misleading.
- Outdated
- The record no longer reflects the current legal or factual status.
- Unverifiable
- The cited source can no longer be confirmed against the original record.
- Misattributed
- The finding belongs to a different person or business.
- Legally restricted
- The record is sealed, expunged, retracted, or subject to a binding order.
A change in how a finding affects a HOD Score is never a ground for dispute on its own. Scores are recalculated automatically by the system from verified data; a successful dispute corrects the record, and the score follows the record at the next verification pass.
Ready to challenge a record?
File securely online in minutes, or reach the Nationwide Reputation Management Team directly. Every case is acknowledged within 2 business days.