The direct dispute process was impletmented back in 2011 to address the CRA use of e-Oscar and their practice of not forwarding all information to the furnisher of the disputed information. You can send your dispute, along with all supporting documentation and arguments, directly to the furnisher, thus ensuring that all information and arguments are received.
Additionally, the CFPB put the CRAs on notice approx a year ago that they expect all information submitted by a consumer to be forwarded to the furnisher, and the CRAs are supposedly modifying their e-Oscar automated system to incorporate forwarding of all information. If you have evidence that the CRA has not forwarded information that you submitted to the furnisher, then I would provide that information to the CFPB, as they are directly involved in that matter.
