Today we're talking about how to dispute and write the credit bureaus when they respond with "frivolous" or "verified as accurate". This tactic is called the "Repeat Offense Tactic" and ther are a few different ways to deal with it. If you are using factual based disputes, your dispute should NOT come back as frivolous, but of course, they do. There IS a way to prove this and to get your negative items deleted, and this is yet another follow-up tactic for credit bureaus and creditors that is designed to catch them in document violations. This tactic is based on a section 623, which states that repeat disputes can be flagged as frivolous by the creditor if the person (creditor) has already performed their duty and obviously this means that they have already done a reasonable investigation.
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