Community Leader
Epic Contributor
Posts: 25,652
Registered: ‎03-19-2007
Re: jack attack


The DV and dispute processes are under different statutes, and for entirely different purposes.


Regardless of whether you have requested debt validation from the debt collector, which is unrelated to credit reporting, if they have also reported to your credit file, and you have basis for asserting that reporting is inaccurate, you can dispute its accuracy under the FCRA.

Nothing occuring under the DV process is a basis for an FCRA dispute.  You must provide sufficient documentation in any dispute so as to enable the furnisher to conduct a reasonable investigation of the asserted inaccuracy.

If you simply "dispute" without meeting the burden of identification of a specific inaccuracy, it can be dismissed without investigation as "frivolous or irrelevant."