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 Fair Credit Reporting Act; or
  • the furnisher is not required to investigate the dispute because one or more exceptions listed in the regulation applies.