How can I go about disputing this?

[RobertEG]

A furnisher is only required to investigate a dispute on substantially the same information once.

Once a dispute filed with a CRA has been resolved, the furnisher can dismiss any direct dispute without any investigation as "frivolous of irrelevant."

You use one process or the other.  If the iintent is to send a direct dispute, one should not dispute with the CRA.

As for reporting of lates, did the late actually occur at a prior point, and they are just now reporting, or is it reported as a new late?

Provided the late actually occured, they are not precluded from reporting at a later time.

[Anonymous]

The late would of been accurate 4 or 5 years ago, over the last year, there has been peridoc lates on random months, not evenly spaced by a certain amount of time, or anything. Just random lates. I don't really think you can just start posting random lates years after an account has been paid in full. Prior to paid in full maybe but thats still touchy and inaccurate information. If / when it was late it should be reported for that month and that month only. This account has been paid in full for at least 4 years. There is no possible way it's legal to start incorrect lates.

[Anonymous]

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@RobertEG wrote:

A furnisher is only required to investigate a dispute on substantially the same information once.

Once a dispute filed with a CRA has been resolved, the furnisher can dismiss any direct dispute without any investigation as "frivolous of irrelevant."

You use one process or the other.  If the iintent is to send a direct dispute, one should not dispute with the CRA.

As for reporting of lates, did the late actually occur at a prior point, and they are just now reporting, or is it reported as a new late?

Provided the late actually occured, they are not precluded from reporting at a later time.

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Not if you have substantial documentation showing you are correct.  If you already disputed with the CRAs and it was verified, and came across documentation later showing you are correct, I would file a direct dispute sending the documents.

I doubt very much that when they get a dispute via eOscar there is any investigation done at all.  No documents are sent to the creditor, just codes.