Direct Dispute
A dispute filed directly with the furnisher (creditor) rather than through a credit bureau.
A direct dispute is a dispute filed directly with the furnisher under FCRA §623(a)(8). The furnisher must investigate within 30 days and report results to the bureaus. Direct disputes complement bureau-side §611 disputes and are particularly effective on round-2 escalation.
How direct disputes differ: bureau disputes typically route through automated e-OSCAR systems; direct disputes force the furnisher's own dispute team to investigate against original records.
Also called
Related terms
FCRA §623 sets the duties of furnishers (creditors) to report accurate information and respond to consumer disputes.
FCRA §611(a)(1) requires bureaus to investigate disputed items within 30 days. The bedrock dispute provision.
A follow-up dispute filed after a round-1 dispute returns 'verified as accurate' — usually MOV + direct furnisher.
A round-2 dispute letter under FCRA §611(a)(7) demanding the bureau disclose how they verified a previously-disputed item.
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