The CRAs rountinely use something called the automomated E-OSCAR dispute resolution process.
That process is conducted by a data entry clerk at the CRA, who simply codes the reason for the dispute, with no supporting documentation that you may have provided. The creditor, likewise responds electronically back through E-OSCAR.
It is quick and efficient, but substantively meaningless. So the dispute is almost always verified to the benefit of a simple creditor response.
