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I submitted a direct dispute regarding inaccurate content on my credit report. Does the furnisher of the disputed information have to notify me if it decides that my dispute is frivolous or irrelevant?

Yes. The furnisher must notify you in writing if it decides that your direct dispute is frivolous or irrelevant. The notice must be sent within five business days of the determination.

The furnisher will send the notice by mail unless you have agreed to receive electronic communications.

The notice must include the reason(s) for the decision and identify any information that you would need to submit in order for the furnisher to investigate the disputed 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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