There are two different dispute processes. One is filed with the CRA, and the other is filed directly with the party who furnished the information.
Disputes are directed at the accuracy and completeness of individual items of information that have be reported to a CRA, and are appearing in your CR.
You rarely dispute "accounts" unless the entire account was not yours. What are the specific items of information that you consider to be inaccurate?
In a nutshell, while the two different processes are different in the mechanics, your dispute goes to the party who furnished the allegedly inaccurate information, and that party investigates your reasons and documentation. They then report the results back to you, either directly, or to the CRA, who then communicates the outcome of the dispute to you.
It the disputed information is found to be inaccurate, the furnisher must either correct it to cure the inaccuracy, or delete it from your CR.
