Answers about Credit Disputes

What is a frivolous or irrelevant dispute?

A dispute is frivolous or irrelevant if:

• the consumer did not provide enough information to investigate the disputed information;
• the direct dispute is substantially the same as a dispute previously submitted by the consumer or by someone else for the consumer and the furnisher has already satisfied the applicable requirement of the Act; or
• the furnisher is not required to investigate the dispute because one or more exceptions listed in the regulation applies.

August 2010