Although you have a right to dispute any errors you might find on your credit report, the credit reporting agency receiving the dispute has the right to deem the dispute frivolous if it meets the following criteria:

  • You haven’t included information necessary to enable the credit reporting company to investigate the dispute
  • You’ve filed a duplicate dispute, or the information on your dispute seems the same as a previous dispute

If your credit report dispute is deemed frivolous, the agency must tell you within five days of that determination. At that point, no investigation of your dispute will occur.

Learn more about how a dispute on a credit report works here, and other terms you should know when disputing your credit report here.