A dispute is frivolous or irrelevant if
the consumer did not provide enough information to investigate the disputed information;
the direct dispute is substantially the same as a dispute previously submitted by the consumer or by someone else for the consumer, and the furnisher has already satisfied the applicable requirements of the Fair Credit Reporting Act; or
the furnisher is not required to investigate the dispute because one or more exceptions apply.
Refer to 12 CFR 1022 Fair Credit Reporting (Regulation V) for more information.