OR.......
if you really want to ensure that all of your supporting documentation AND any comments/arguments are received by the creditor or debt collector, you can use the direct dispute process as opposed to disputing via a CRA.
Direct disputes, by their nature, ensure that all documentation and arguments are received by the furnisher, and thus are not excluded by the CRA when referring to the furnisher.
Paper disutes enable the consumer to include all arguments and supporting documentation, but do not ensure that the CRA will refer all of that info to the furnisher via their e-Oscar automated referral system.
On-line disputes provide limted ability to include documentation and arguments, and thus are a form of self-sanitation of your dispute content.
I would not recommend on-line disputes unless documentation will not be a likely issue.
