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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 requirements of the Fair Credit Reporting Act; or
  • the furnisher is not required to investigate the dispute because one or more exceptions apply.

Refer to 12 CFR 1022 "Fair Credit Reporting (Regulation V)" for more information.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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