Privacy Policy
DisputeDriver is operated by THE TFBA LLC.
Last updated October 20, 2026.
THE TFBA LLC, doing business as DisputeDriver, Flushing, New York, runs disputedriver.com and our apps. This policy says what we collect, why, who sees it and how to delete it. We do not sell your information.
1. What we collect
| When | What | Why |
|---|---|---|
| Sign-up | Name, email, phone, date of birth, mailing address, password | Your account, and the details every dispute letter must carry |
| Your credit report | The accounts, balances, dates, scores, names and addresses listed on the reports you upload | To find possible errors, show your scores, and list old names and addresses to clear out |
| Disputes | The items you pick, what you tell us about each, the letters, tracking numbers, and the bureaus' letters you upload | To prepare, mail and follow up on your disputes |
| Work with a specialist only | A photo ID (front and back), proof of address, the last 4 digits of your Social Security number, your typed signature | The bureaus require them with a dispute; your signature records the agreement |
| LLC filing only | The business details the state form asks for | To file your LLC |
| Using the app | Chat messages, which link brought you to us, device and sign-in records, small cookies that keep you signed in and remember what you've seen | Support, security, and knowing which posts bring people |
We never ask for your full Social Security number.
2. How we use it, and where AI comes in
We use your information only to run your account and the services you choose, to keep the app secure, to answer you, and to meet our legal duties.
AI. We use an AI service (Anthropic) to:
- read the credit reports you upload into a list of accounts, scores, names and addresses;
- read the letters the bureaus and companies send back, to note what they decided;
- draft follow-up letters for our team to check;
- answer chat questions about the app.
Your photo ID and Social Security digits are never sent to the AI. Numbers shaped like a Social Security number are removed from what the AI writes. Anthropic processes this data for us under its commercial terms and does not use it to train its models.
A person on our team checks every letter before we mail it for you. Nothing the AI does decides anything about you on its own.
3. Who we share it with
We share only what each one needs, to do the job you asked for:
| Who | What they get | Why |
|---|---|---|
| Equifax, Experian, TransUnion | Your dispute letters, ID, proof of address and the last 4 of your Social Security number | Bureaus require them to investigate a dispute |
| Companies that report your accounts (collectors, lenders) | The letters about their account, in your name | Only for the items you approved |
| The state | Your LLC filing details | LLC filing only |
| Google Cloud | Everything, stored and run on its servers | Hosting |
| Supabase | Account and app data, encrypted where noted below | Database and sign-in |
| Anthropic | Credit reports, bureau letters, chat messages (never ID or Social Security digits) | AI reading and drafting (section 2) |
| Resend, Zoho | Your email address and the emails we send or receive | |
| Postalocity | The letter package, your name and address | Printing and certified mailing |
| Consumer Financial Protection Bureau, state attorney general | Your complaint and its letters | Only when you choose to file a complaint |
Partners on the Build tab get information from you only if you click through and apply with them, under their own privacy policy.
We may also share information when the law requires it, to protect our rights or someone's safety, or if the business is sold (the buyer would be bound by this policy). We do not sell your information or share it for advertising.
4. Protection, how long we keep it, and deleting it
Protection. Your photo ID, proof of address and Social Security digits are encrypted. Only the team member working your order can open them, and every opening is recorded with their name. Staff sign in with a password and a second step from an authenticator app.
How long we keep it.
| Information | Kept until |
|---|---|
| Photo ID, proof of address, Social Security digits | Your Work with a specialist service ends, or you remove them or delete your account, whichever is first |
| Credit reports, disputes, uploads, chat | You delete them or your account |
| Orders, signed agreements, the disclosure statement you acknowledged, payments | At least 2 years after signing (federal law), and as long as tax and business-record rules require |
Deleting your account. In the app: Account, then Delete my account. It removes your details, credit reports, disputes, uploads, ID documents and chat, and closes your sign-in. Orders and signed agreements stay as business records, with no sign-in attached.
If something goes wrong. If your information is exposed in a breach, we will tell you and the authorities as New York law (the SHIELD Act) and other laws require.
5. Your choices and rights
- See, correct or download your information at any time in the app, or ask us at support@disputedriver.com.
- Delete your account in the app at any time.
- Turn off notifications in your phone's settings or in Account.
- Depending on your state, you may have more rights, such as knowing what we hold about you or asking us to delete it. We honor those requests from anyone, wherever they live.
Children. DisputeDriver is for adults 18 and over. We do not knowingly collect information from anyone younger. If we learn we have, we delete it.
Changes. We will tell you in the app or by email before a material change to this policy applies.
Contact. THE TFBA LLC (DisputeDriver), Flushing, New York, support@disputedriver.com.