I presume you sent them a direct dispute under FCRA 623(a)(8), and not a request for debt validation under the FDCPA.
The direct dispute rules, at 16 CFR 660.4(f)(1)(i), states that a furnisher is not required to investigate a direct dispute, and may dismiss it as frivoulous or irrelevant, if they determine that "The consumer did not provide sufficient information to investigate the disputed information as required by paragraph (d) of this section."
Subsection (d) requires that:
"(d) Direct dispute notice contents. A dispute notice must include:
(1) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable;
(2) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and
(3) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements."
It is the furnisher's right to hold a direct dispute lacks sufficient information to investigate the dispute provided their holding is "reasonable". A very broad requiement.
They must have identified what informstion that is deemed to be required.........
