The Medical Information Bureau (MIB) furnishes coded medical-history information used by member life insurers in underwriting. An applicant who suspects an MIB-coded entry contributed to a declination wishes to obtain and dispute the record. Under FCRA §609 and §611 (15 USC §1681g, §1681i), the applicant's rights regarding the MIB record include all of the following EXCEPT:

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The right to compel MIB to delete any coded entry the applicant subjectively disagrees with, regardless of investigation outcome — MIB is a 'consumer reporting agency' under FCRA. Applicants have: (1) access rights under §609 — they may request and obtain their MIB file (one free disclosure per year, plus after any adverse action); (2) dispute rights under §611 — they may challenge accuracy or completeness; (3) reinvestigation rights — MIB must reinvestigate within 30 days (extendable to 45) and forward the dispute to the furnishing insurer; (4) consumer-statement rights — if the dispute is unresolved, the applicant may add a brief statement (generally ≤100 words) to the file. There is no right to compel deletion based on subjective disagreement; deletion follows only when reinvestigation shows the data is inaccurate, incomplete, or unverifiable.

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