Interesting article. I followed the link to the CFPB document and this Figure 2 seems to be saying a lot. Four types of credit products, student loan, car loan, store card and bank credit card. The first two, it seems to me someone has one, they typically only have one, rarely have two. Store cards, also typical few, rare cases multiple. Credit cards, however, typically multiple, especially in the Prime and Super Prime categories. Note the "not disputed" proportions, and keep in mind in all these graphs 98%+ of the borrowers are NOT disputing during this study period.
So right off, you've got a massive population of Super Prime cardholders in this Bank Card group. They are probably well established, keep up on their credit, and could be expected to question their data. The super prime are questioning their data less often, proportionately, than deep sub-prime, but this group has so many more cards it skews the graph a bit.
For the auto loans and student loans, I read this as the lower credit scores are getting a complicated credit product, that they might not be familiar with, yet it comes with required payments. Again, these folks probably only have one loan in this class, and aren't as stable in their financial situation. So that leads to more disputes being filed.
