Any dispute pertains to the accuracy of the reported information, not the type of business or debt.
So yes, you can dispute reporting made by any furnisher.
A dispute, be it through a CRA or directly with the furnisher of the disputed information, is a process that requires the furnisher to conduct a reasonable investigation of the accuracy of the reported information. They must reach a determination as to its accuracy that is supported by their investigation, and convey that determination either back to the CRA if it was disputed through a CRA, or directly to the consumer if it is a direct dispute. They need not forward their supporting documentation, only their determination.
Once you dispute via a CRA, the furnisher has conducted an investigation of the accuracy, and reported the results. A direct dispute would thereafter be a request for them to repeat the same process. The rules implementing the direct dispute process specifically provide that a furnisher can dismiss any direct dispute on substantially the same issue if they have previously investigated by way of a prior CRA dispute.
One issue, one investgation. See 16 CFR 660.4(f).
