Can you be more specific about your situation? Validation is for collecton agencies, disputing is through the credit-reporting agencies. Have you pulled your reports? Do you have any collection accounts? Any charge-offs? Any accounts with just lates? You dispute through the CRA's when you feel an account(s) is marked incorrectly on your report (i.e., it shows a 30 day late when you were never late) You send a validation request to a collection agency who is attempting to collect a debt on you.
