By law, the credit bureau doesn’t have to investigate any disputes it determines is frivolous. However, if the credit bureau determines your dispute is frivolous, it does have to notify you in writing within five business days, give reasons for their decision, and let you know what information is required to investigate the disputed information.

If you receive a frivolous letter from the credit bureau, it is usually because if inappropriate disputing. Make sure you understand the disputing process and to combat this:

First correct what is wrong with this dispute to explain the following:

1. Exactly what it is that you are disputing
2. Exactly why you are disputing the item
3. The result you want from the reinvestigation (correction or deletion)

Please be advised that I received a frivolous reply from your organization, regarding a previous disputed item that is affecting my credit report. Not understanding the meaning, I did some checking and realized that under Section 611 (a) (3) this is within your rights if you feel such dispute has no merit. However, I understand that it is within my right to have this disputed item investigated because it is inaccurate and you are not allowed to abuse this system.

I am providing details on why I’m disputing Acct# (Give explanation like in step 1-3)

If I do not hear back from you within 20 day, I will file a complaint with Consumer Financial Protection Bureau hoping to get some relief for this damaging and inaccurate entry on my credit report.

Sincerely,